BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: Granite Edvance Corporation
State: NH
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 XX/XX/XXXX contacted Granite State Management spoke with XXXX a service agent due to an error on my part was calling to fix payment schedule. We were able to adjust using the Covid19 payment relief available. While looking at my loans She mentioned consolidating my loans as I had two or three that were not part of my already consolidated balance. She mentioned something about consolidating will make my loans eligible for the possible relief programs that was being discussed by the government. What was not mentioned was that if I consolidate my loans all of the Income Base payments I have made over these years will reset to zero! I am waiting for the data to show how many years into the IBR repayments I am on my loans I don't have the exact number. I've been trying to pay my loans for 21 years. Based on Studentaid.gov website my loan servicer is suppose to track my qualifying monthly payments and years of repayment and notify me when I am getting close to the point when I could qualify for forgiveness 20 years or 25 years of any remaining loan balance. I may still be a few years away from this but I was NOT told I would loose my payment history if I consolidated. 

I was not able to to stop the consolidation with XXXX XXXX, I called on XX/XX/XXXX and spoke with XXXX a supervisor in the loan disbursement area ; and they were not able to stop the consolidation. Which means my loan payment count starts over at 0. At XXXX XXXX XXXX I've lost what little momentum I had. There was no warning from the loan servicers or from the Studentaid.gov that I would loose all payment history on my loans when I consolidated my loans. 

Also I do not understand why my loan balance has not gone down under the IBR plan. In the 22 years I have been with Granite State Management. I have been making payments but have not seen any movement in my loan balances. I don't understand how the government can set us up for failure in repaying these loans. 

Please help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase Bank is the worst!!!! 
An agent named XXXX deactivated my account by mistake today when I called to ask if my new debit card had been sent. she apologized for the mistake and put me on hold so she could get her manager to fix her mistake. 3hrs on the phone and 7 different " supervisors '' later. They told me they could not reactivate my account. It will take 3-5 days to resolve the issue but even then that account is no longer available. I will have to get a whole new account. So as of now I have no access to my account and no way to get any money out of my account. I'm sorry but what kind of company has an employee make a mistake and they are not able to fix it causing the customer a mountain of financial issues. I'm getting a new bank. I've never had a bank treat me with such a callous mentality.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: WESTERN UNION COMPANY, THE
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I send money via Western Union app on XX/XX/XXXX to my nephew XXXX XXXX XXXX in Delaware. He didn't pick it up then. I called Western Union last year for a refund and an agent told me that they can refund it to the debit card that I used to send the money on the app. He advised me that it's best to have my nephew pick it up because I no longer have the card I used to send the money. 
On Saturday XX/XX/XXXX my nephew went to pick up the money. He was told that the XXXX number XXXX is invalid. 
I called Western Union and spoke to an agent, a Supervisor and a Manager. The Manager told me that it would take 48 hours for the money to be available at a Western union location. She will call and email when the money is available for pickup at a Western union location. Yesterday, XX/XX/XXXX I called Western union again because I haven't heard from anyone at Western union. After given the run around at almost 2 and half hours I was finally connected to a manager that told me that they can't send the money to my nephew, instead Western union will send me a XXXX  number that I could use to pickup my refund BUT it would take 24 hours. He will call me and email me with the number. I haven't heard from anyone today.

I called Western union again and spoke to an agent that remember speaking with me on Saturday. After I gave him my Case No. Of XXXX i was told that a Manager is not available and will have one call me when a manager is available. He also apologized because he doesn't know why it was taken so long to have the issue resolved. This is ridiculous and all I need is to have the money available to my nephew.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

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 2022-08-04
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: WA
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:
On XXXX and XXXX, unauthorized transactions were made on the account totaling XXXX. I reported the issue to Branch Manager XXXX XXXX at the bank a few days later. She helped me fill out the fraud forms to start an investigation. To this date, no evidence of an investigation has been given to me. I have no documentation that any investigation actually occurred. 
XXXX now says the bank will not cover the loss. The bank is negligent because the transactions exceeded the daily limit for the account, exhibited an abnormal pattern of activity, and should have been denied on the spot.

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 2017-07-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I took my husband to get a loan. I ended up cosigning and now that it could not be paid off my credit is suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited @ {$1500.00} dollars in state issued unemployment checks via mobile top my Chase checking account on Friday afternoon XX/XX/20. I was told i had a small amount available to me immediately and the rest would be accessible after XXXX XXXX  the next day. The next morning they were not there. I called again and was told by someone else that there is a 7 business day hold on the funds and they will not be available till XX/XX/20. I explained i was out of town with my daughter and we needed the money. They tried to tether the funds but told me they couldn't. When i told them they are govt issued checks and shouldn't be a problem plus i don't have any history of ever depositing bad checks, they told me there are issues with the checks?? My daughter and I had to cancel our plans and drive home with no money for food, gas, lodging e.t.c. I waited 3 months to get paid and now they want to hold my money longer??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$830.00}, Original creditor : XXXX Balance XXXX, Original creditor : XXXX Balance {$1100.00}, Original creditor : XXXX Balance {$1000.00}, Original creditor : XXXX Balance {$710.00} are reporting on my personal credit file with ( Equifax/XXXX ) credit reporting agency. These accounts was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: BMW Financial Services NA, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/XXXX I applied to refinance my XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX. I 've purchased two BMW vehicles with XXXX XXXX, my payment history is very good with XXXX XXXX, which they allowed me to not make two months of payments, which will be push to back of car loan, due to my Great Payment History. They denied me the right to refinance the car. I called XXXX XXXX at XXXX on XX/XX/XXXX to inquire of the status of my refinance application, they informed me that I was denied, without reasonable cause. I believe that I 'm being discriminated against, or what you call " Red-lining '' i.e., in the real estate industry, I presume it is the same terminology being illustrated in this situation. The interest I 'm paying on the vehicle is 10.4 %, which is extremely High, I was taking advantage of, when purchasing this vehicle, I hope that the CFPB will assist me with protecting my rights as a consumer. Car Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank You, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2022-01-23
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am filing a complaint on American Express ( AE ) Credit card company. 
In AE mobile App pay system, the payment status are two steps. Right after you make a payment, the status is " Processing ''. Later, in about 48 hours, the status is " Thank you ''. The second step shown to our consumers mean that the payment is done. 
This mobile App pay system give scams or cons a big opportunity and success to trick and victim people. 
I was recently, last XXXX, tricked by a scam using such system. I was offered a " purchasing agent '' job. In this offer, there was two-week trial during which I needed to use a credit card to purchase XXXX products. The cons gave me their bank account for me to do the mobile pay. I did a purchases of {$9300.00} of XXXX products on XXXX XXXX, XXXX by my AE credit card and used a bank account provided by the cons using AE mobile App pay system for the payment. The transition went through and the status is " Thank you ''. I sent the XXXX products out to the cons. 
On XXXX XXXX of XXXX, I saw on AE mobile App system the payment of {$9300.00} has been returned. I called AE., they told me that I was not authorized by the bank and the amount due day is XXXX XXXX. 
To get a peace of mind, once I learnt the payment was returned and the due day was XXXX XXXX, I paid it on XXXX XXXX using my own bank account. But AE returned my payment saying that the bank account was not correct ( it's impossible that I put a wrong account number since it needs to be put in twice ). I learnt later that AE used this to have me call them back so that they can have my banker on line to make sure I got enough money to pay the. This happens on XXXX XXXX. I had enough money in my account and the payment was done. 
On XXXX XXXX, I saw an interest charge of {$190.00} due to my payment was made on XXXX XXXX. One day late than the short notice due day set by AE. 
I got tricked because AE provides a unsafe mobile payment system and never inform our customers that a " Thank you '' doesn't mean the transition is completed and how long it takes to complete. It took them almost two months for the payment to return.

I felt that AE is providing a very unsafe product and should be responsible for my loss. Also, AE should give me a billing cycle for the returned payment. Instead, they only give me one day for the due day and charged me for interest of {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: U.S. BANCORP
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 owed U.S. Bank National Association D/B/A Elan Financial Services {$10000.00}. Three years ago I tried to settle with them, but was unsuccessful in reaching them. In XXXX of 2021, through XXXX XXXX XXXX, U.S. Bank National Association D/B/A Elan Financial Services and I entered into a settlement agreement for a one time payment of {$8700.00} to satisfy and settle the account. However, they have not held up there end of the settlement and have reported a balance owing on my credit report for {$2100.00}. I have tried to call them and they bounced me from person to person 4 times and was then on hold for a very long time so I left a call back number, but they did not return my call. I would like them to honor the settlement agreement and remove the balance they say I still owe them on my credit report.

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 2022-01-23
Company: Maximus Education, LLC dba Aidvantage
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated college in 2010 and my loans were transferred to XXXX from XXXX XXXX, my payments have never been consistently applied to principal and interest, multiple payments have gone only to interest and some payments only {$0.00} went to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: GA
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:
FCRA violation : Inaccurate reporting Please see attached document

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 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I received an email from Bank of America that my savings account was inactive and to contact them. I did on on the same day because I was concerned since the notice had my account number, but a different person 's name and address. Customer service reactivated the account, I made a transfer to the account and forwarded the letter to the abuse department since the customer service representative was concerned with the other name listed on the notice. No one contacted me after I forwarded the concerning letter. 

I have other accounts with Bank of America that are active. I logged into my account on XX/XX/2021 and the account was gone, including all bank statements. After a 2 hour phone call with customer service, I was told to " just call the state of Illinois '' because the funds were sent there. I was unable to obtain a property ID number. I did not receive a notice of this account being transferred electronically or by mail. When I search the unclaimed property site, there are no records for my name. 

Even though this account was active with my deposit on XX/XX/2021, the money was supposedly transferred to the State of Illinois at some point after XX/XX/XXXX, XXXX the last statement I reviewed ( they could not give an exact date ). I'm guessing in the name of the person who was incorrectly listed on the XX/XX/2021 letter. Now it is suddenly my problem to find the money, with no notice, no property ID number or assistance from the bank. 

Either this is a glitch in their system or they have an internal fraud problem targeting inactive accounts, but this wasn't an inactive account. I would hope they would be as concerned as I am about this, they are not.

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 2022-05-04
Company: Experian Information Solutions 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:
in accordance with the fair credit reporter act XXXX  account XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1861 SECTION 604 A SECTION 2 I ALSO STSTE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR 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 2018-12-03
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few months ago I realized upon applying for a home loan that my credit had dropped severely to where I was declined. I then pulled my credit reports to find a couple derogatory accounts on my file that were not mine, both from XXXX XXXX, XXXX. I have never heard of or done any business with this company ever. The main account that they allege that I owe them is acct # XXXX in which the amount is {$620.00}. I have been in correspondence with them explaining that I dispute this debt because it is not mine & then I demanded a few times in a few different certified letters that they need to delete these wrongful accounts from my credit file. ( see attached copies ). A company named Resurgent Capital services responded after my first certified letter ( delivered by the  XXXX on XX/XX/2018 ) stating that they manage accounts for XXXX XXXX. All of my communications have been with Resurgent Capital Services since then. They are debt buyers and allege I owe this debt to them. ( See attached copies ). All allegations from this company are false and I will be filing a lawsuit in small claims court if they dont Cease & Desist all collections efforts and then send me a Cease and Desist letter stating such. Furthermore, I would like them to remove all derogatory claims/files against me on my credit reports ( this especially includes XXXX XXXX, XXXX & XXXX ). 
Please see all attachments. 
The small account that this same company alleges that I owe is acct # XXXX .... 

Thank you for your time in this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts are a result of identity theft and the person that committed the theft is now deceased which is how I found out about the theft. A cousin with the same first and last name that I was trying to help with XXXX XXXX   issues stole and used my social security number and made several visits assuming my identity. I have filed a complaint and had my report pulled as soon as this was disclosed to me however according to the police department I have no further recourse since the thief is deceased. 

I am asking for the above mentioned to be considered for the following accounts. CAPIO PARTNERS LLC XXXX {$930.00}, CAPIO PARTNERS LLC XXXX {$77.00}.

Company response to consumer: Closed with non-monetary relief