BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Have tried several times to contact Firstmark Services regarding my private student loan that is currently in repayment. I've asked several times why my interest rate continues to rise and even asked for an origination statement. However, I can not get an actual agreement from Firstmark Services from when my loan originated. They send me the latest statement only. They say my interest rate is variable which has caused my payments to increase drastically. However, I have never had my monthly payment increase in the past. It has only increased over the last 6 months. I never asked for my student loan to be transferred from XXXX XXXX to Firstmark. And I find it absolutely ridiculous that I can't even get information on the original loan I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: IQOR US INC
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am in rehab for the entire amount of my federal student loans with a collection agency. Another collection agency has garnished my wages. I am not sure if they are included in the rehab or not, but Allied is unwilling to work with me to eliminate the garnishment. They say I must pay an additional amount, every month, in addition to the garnishment and what I am paying on my rehab if I want any relief. I know some relief must be available other than further XXXX my finances, but they have been rude and unwilling to work with me.

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 2017-04-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Over the last several moths I have had three disputes on Amazon refunds on returns for my Amazon Store Credit Card with Synchrony Bank. I returned three items with confirmation from  Amazon  and my refund was taken out of from my card leaving a deficit. Synchrony Bank said they were working on the problem so I paid off the card. After months of Synchrony Bank sending me forms requesting information I already sent to them they closed my account. I sent the the information they requested on three separate occasions as they requested. Synchrony Bank would close the disputes each time without consultation to the consumer.

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 monetary relief
Consumer complaint received 2016-05-10
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the second time company put negative info on my credit report. This debt is not mine even the collection representative cold not validate this debt. This company cost my business loan rejected because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
What Happended My wife and I have an auto loan from American Honda Finance Corporation. 
corporation. The CFPB and the DOJ recently resolved an action with American Honda Finance Corporation. The action stated that XXXX borrowers were paying higher interest rates than white borrowers. Honda was required to pay {$24.00} XXXX in restituion to affected borrowers. My wife is XXXX. When is CFPB going to send us our portion of the settlement?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried calling Experian on multiple phone numbers I found online and there is no option to talk to a live person. They have inaccurate, incomplete, and unverifiable information which must be removed.

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 2022-11-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Wed, XX/XX/XXXX at XXXX XXXX  On XX/XX/XXXX I acquired a prepaid debit card at my local grocery store for my child and registered the account via email. I never used it. The only information I have at this point is that the card ends in XXXX. Since that time I have received emails reporting my 'monthly statement is available ' but I have not been able to access the account to see what if any monthly charges have been made. 

Additionally, I lost the card and so did not have the XXXX digit number when attempting to log into my account or reset the password which never worked. ( For some reason the password information I had originally saved did not work. ) I have been unable to reset the password despite multiple attempts including on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

I also called both of the XXXX numbers affiliated with serve ( XXXX & XXXX ) on these dates and they do not recognize my Social Security number so I am not able to request a password reset that way either. My statement reminders come in a no-reply email and there is no contact email for the company anywhere on the Internet ; neither is there any chat option. 

I have been unable to reach them for a year and I want to close the account. I DO NOT WANT this card/account. I am unable to reach anyone to cancel. Can not access a person/option via phone, no online chat available, no email available. I want to cancel and be refunded any money I loaded onto the card when I purchased it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a collection notice from XXXX XXXX, XXXX, XXXX trying to collect on an account listed as XXXX XXXX ( not kidding ) that somehow was attached to my name. The company was listed as having a physical address of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NY. I checked on XXXX and it appears to be a storefront of sorts without much more heft. They listed an account from Synchrony Bank which I have never done business with and when looking for their physical address found four locations. Apparently they used to be GE consumer loans and their CEO XXXX XXXX left GE when it separated itself from GE. Synchrony apparently bought all of PayPal 's credit accounts but I have never used paypal either. There was no information as to what I had supposedly purchased, or when, or from whom and what makes this particularly absurd is that someone processed the account under the name XXXX XXXX XXXX When I was a XXXX XXXX XXXX for XXXX XXXX my signature was good for {$25000.00} and it would be appropriate for whoever committed the fraud that started this all off should have the balance charged against their signature. As a bonus, whoever accepted the account from Scynchrony Bank and XXXX XXXX, XXXX, XXXX should also be billed for the amount as a penalty for not even bothering to read the name on the account. I have no idea how that got any of my personal information to link the account. I'll leave that all up to 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 2017-04-29
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An alleged collection company  ( Harvard collection services Inc )  phone number  XXXX   XXXX  and  XXXX  contacted me couple of weeks ago until present trying to collect an amount of  XXXX . This amount was paid to  XXXX   XXXX  located in  XXXX , TX approximately 3 years ago which is I 'm pretty certain that I 've paid that amount. I asked the company to provide me their professional practicing license, they have n't gave me any. In this time, they 're keeping calling me to pay that amount inconvenient times during work and on weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
What are we supposed to do? We pay by mail days before the due date, Specialized Loan Servicing ( SLS ), my mortgage processing company, claims they don't receive on time. We schedule auto payment through SLS website, days in advance of due date, and still up to 2 weeks they claim they didn't receive the payment. Today, XX/XX/2022, SLS on it's website ( XXXX ) claims they have not received the payment for XX/XX/2022, yet. In the 2nd attachment ( XXXX ), from my bank account statement, the record shows the full payment was sent electronically on XXXXThe 3rd attachment, XXXX, shows SLS received payment on XX/XX/2022 It's either incompetence, or worse yet an attempt to build a case for late pays, again, for future nefarious purposes. I would like SLS to acknowledge receipt of mortgage payment as they receive. Shouldn't electronic-payment process, established by SLS, be the fastest method of sending payment? Why 15 days or more showing payments not received?

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 2022-11-09
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I applied for an XXXX XXXX XXXX on XX/XX/2022. 
The physical card never arrived to my home address, it was intercepted, therefor I did not get a chance to activate the card, never mind, complete transactions. With this being my credit card is being used physically and online by an unauthorized individual. 

Below are the multiple attempted charges on the card on XX/XX/2022 : - $ XXXX XXXX - $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is the unauthorized XXXX XXXX the card completed on XX/XX/2022 : - $ XXXX I have an outstanding balance of {$66.00} due to the delay payments of the card and the charge of XX/XX/2022. 

This information is according to a Chase representative who I spoke on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: CarMax, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX I was coerced into buying a used car from a used auto dealer by XXXX individuals, who then drove off with the car and that was the last I saw of them. They threatened to do bodily harm to my family if I did not go along with them. To prove they were serious, while I was buying the car they had friends of theirs, go to my parents house and steal my motorcycle, fortunately my parents were n't home. It is important to note that I am XXXX I and was completely off my medication and in a XXXX ; which means I was not in a XXXX. The monthly car and insurance payments came to {$910.00} per month, for 66 months. The loan was financed through the a finance company owned by the used car lot company after I was denied by XXXX other banks/finance companies. I had been unemployed for over 18 months and both my checking and savings accounts had negative balances. Also, my XXXX credit cards were all past due. I do not understand why their finance company agreed to take a chance on me. I never had the funds to make a single payment, I opened a police report for theft by conversion. I tried to file a claim with the insurance company arranged by the finance company but The insurance company denied it because the car was stolen before my insurance coverage became effective on XXXX, even though the car was sold though I made my XXXX ( and only ) premium payment on the XXXX The car was located XXXX but it will be turned over to the finance company as they tried to repossess it a couple of months ago by sending a wrecker but I did not have the car and gave the wrecker guy a copy of the police report. I tried to resolve this with the finance company to no avail. The whole situation is overwhelming and I feel as though I have been a victim several times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: United PanAm Financial Corp.
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me 15 to 30 times a day and keep asking for money and they call me and my husband. I pay a payment and they call that afternoon about my next payment. I admit I was 30 to 65 days behind because of medical issues or the fact my husband was out of work. I admit that but I have tried to pay payments when they are due and when I pay two payments they still call when my payment payment is just 2 or 3 days past due. I want them prosecuted for harrassment for XXXX on my life I get so upset cuz they call and just keep wanting a date that I can pay and when it 's gon na get pd and when I give them ideas on how I can pay them they say you ca n't pay it that way u need to do it immediately or we are coming TODAY RIGHT NOW to pick the car up. When in the agreement it states that they only come after the vehicle when it is 90 days past due that is the only time they can threaten this. Please help me I have a lot of stress on me being a one paycheck household and I had to get boarders to live with me just to get my rent pd so it 's not like I am trying not to pay. As of right now I am 14 days past due and this am they added a whole bunch of late fees etc to the payment I need to make after another person took them off when I paid my payments up to help me. It is United Auto Credit and I want to press charges for harrassment and XXXX on me. Thank you. XXXX

Company response to consumer: Closed
Consumer complaint received 2015-04-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Cash advance

Complaint:
Re : Wells Fargo Credit Card On XXXX I made a payment of XXXX on my account but realized I had done a cash advance in error. Immediately noticing my mistake I called the bank and talked to someone in the checking dept. who made the payment for me. She the transferred me to the credit card dept and the gal told me she would reverse the transaction. 
On XXXX I looked at my account and the reverseal was not made. I called the credit card dept again and spke to another gal who said she would reverse the transaction, instead she reversed the payment in error. 
On XXXX I again called the credit card dept and spoke with a supervisor named XXXX and asked me to call back again when the deposit posted to my checking account and all the fees and reversals would be adjusted, On XXXX I checked my account and now had a late payment of {$15.00} and called again. XXXX told me to make the payment and then call back when is was made and all the adjustments would be done. 
I believe I have been getting the run around and the bank has ignored my calls and emails. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is being sent to you in response to the above reference account that EOS CCA has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN REQUESTED! 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for-HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW! 
Identify the original creditor- HAS NOT BEEN PROVIDED IN TIME FRAME ALLOWED BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW! 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW! 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Team Recovery Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent out dispute letters for accounts on there files for validation that the account is mine including my signature. I received detailed invoices with treatments that were performed and diagnoses which is a clear violation of the HIPPAA Law, which i never signed a HIPPAA form to authorize them to have access to the information.

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 2016-09-07
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I went on line recently with USBank so that I could view my statements. I have never reviewed my statements in the past. I noticed there was an auto withdraw monthly of approximately {$50.00} for auto payment to reserve line. When I asked for explanation at the branch, I was told that it was a charge for insufficient funds. They researched back for 7 years and were unable to demo- strate what generated the original charge. they showed no bounced checks in 7 years. When I asked for proof of this occurance, I was told that they did not have to provide this proof of burden. I wanted to know what my recourse is. I want to know when this infraction occurred. If they are unable to prove the infraction is there a way that I can re-coupe the payments that I have made in the last 7 years? They also say that I still have a balance of approximately {$1800.00}. They can not tell me when or in what amount there was a bounced check - how do I know that it was not a bank error. 
I opened the account in 2006 and at that time there was a reserve line opened which I obviously did not understand how that overdraft protection worked. 
I just want to know if they are obligated to demonstrate what generated the original charge and if so and they are unable to do so, what do I have to do to pursue re-imbursement?

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 2022-11-09
Company: Maximus Education, LLC dba Aidvantage
State: CO
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:
Hello, My name is XXXX XXXX and my social security number is XXXX. I was steered into foreberance/hardship when I was eligible for income driven payment plans when my loans were serviced by XXXX. This caused me to gain more than $ XXXX in interest to my student loan accounts. They were also placed back into repayment while I was still in school as a student. 

Please help, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Received email promotion from Chase on XX/XX/2022 Get {$600.00} for both ( an extra {$100.00} bonus ) Chase Total Checking + Chase SavingsSM Open a new Chase Total Checking and a new Chase SavingsSM account and get {$600.00} when you open both at the same time and complete qualifying activities. 


Opened up both checking and saving account online and completed the requirement. but only received {$300.00} for the checking account. Contacted the bank multiple times this week, every time they just asked me to contact another department and not able to provide any resolutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-14
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX/XXXX/2015 I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The letter claimed that I owed XXXX on a storage unit. I have never obtained a storage unit from this company. I called their number XXXX three times during business hours. No one answered. I left XXXX separate messages. I never received a response. On XXXX/XXXX/2015 I received a letter from a collection agency Allied Interstate. I am now in the process of disputing this charge with the collection agency. I am completely without fault. Yet, I now have to spend my time disputing these charges because XXXX XXXX has failed to do their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief