BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient intentionally obfuscates the " email us '' option on their website. When you click " email us '' you are brought to another page with a written list of instructions on how to get to the email form rather than a direct link ( a tactic to reduce the number of emails received ). 
Navient does not offer webchat or email assistance ( although as one of the most dominant loan services in the country, they are more than capable of doing this securely as other financial institutions do ). They direct every inquiry to their toll-free number regardless of how it was received. They do not allow customers to record conversations and thereby ban us from having any proof of what was communicated. 
I felt deceived and bullied into making hasty decisions, and last year, I refused to have ethereal telephone communications about the financial options and the unaffordable rates and fees on my account. Because of the intentional limits of communication options available, I have been forced to go into default on the private student loans, which are on my account. 
I believe that all of this deception, limitation of communication options, and obfuscation of information is unethical and preys on the most vulnerable students. 
I have reached out to Navient via the " email us '' option on their site several times over the past year and have only received a message asking for a phone call each time. Because I will not call, I can not collect information about making alternative payment arrangements. 
These deceptive practices need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
See complaint no. XXXX. Assuming that you intent to record the instrument, please know that you are barred from doing so. XXXX requires that all mortgages, deed or other be notarized. The original document must contain the original notarization. XXXX clerk are NOT allowed to accept any mortgage, deed, or other that does not meet this requirement. The loan modification reveals it was not notarized, nor it reflect the legal description of the property. The instrument will never have enforceability in the State of Florida until the intangible & stamps are paid on the loan increase which you failed to pay, see Florida XXXX XXXX XXXX XXXX .Because no one acknowledge the instrument signatures, you are barred from recoding it at the XXXX XXXX office XXXX To refresh your memory I have attached the XXXX requirement to record mortgage instruments, please provide a copy to all of your fraudulent attorneys. JP Morgan, you should know that if you pay anyone at the clerk office to record the instrument illegally just like someone did on your behalf on an unrelated case, there will be a warfare of legal action against you as we will bring the matter to the tax collector office, IRS, XXXX State Attorneys Office XXXX Governor XXXX XXXX XXXX Florida Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a chime account. 
I file 2 different disputes and 2 different rebuttals because they denied my disputes EVERY SINGLE TIME! 
They didnt proceed with any thorough investigations. My claims were denied in less than 24-72 hours. Together the balance of both claims was over {$4000.00}. Ive submitted proof and documents to prove that those transactions were unauthorized. Today. XX/XX/2022 my account was deleted without any warning! I called and even complied with the supervisor of chime and she was EXTREME rude to me and threatened to hang up on me. I am a single unemployed mom of XXXX boys, XXXX XXXX XXXX XXXX  And I am also XXXX XXXX XXXX  with no form of income. I am emotionally and mentally exhausted with this situation. All I need is a little help. 
The first dispute that was filed was faulted by chime. I had an issue with XXXX XXXX before and I politely asked them to block that merchant, they assured me they did. 2-3 months later my purse was lost with all forms of ID and also credit and debit cards. And over {$2000.00} was stolen from me through XXXX XXXX Which was a fault on chimes behalf.

Chime has a policy saying after 10 business days is the dont come to an decision that I automatic receive a provisional credit to my account, but they deleted my account on the 9th day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am 1 a XXXX an XXXX XXXX XXXX  in a XXXX college. I was told by Navient that I could apply for forgiveness an I would qualify. Well I was rejected an the stared to just TAKE MONEY. The took my entire paycheck from the XXXX  after working Hurricane Maria for 5 months with XXXX XXXX XXXX as a XXXX XXXX. All XXXX dollars to pay my bills from working in Puerto Rico. An I applied again an they just made my payments go up an tacked on interest with a massive CREDIT REPORT negative marks for almost 2 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'll focus on the most recent activity regarding this complaint and will also leave out my last complaint that has still gone unresolved. 

After calling customer service around XXXX/ XXXX, I was told that I needed to request PMI removal via email. In XXXX, I submitted that Email and was subsequently sent paperwork to sign to the affect that I would pay for an appraisal. Paperwork subsiquently signed, submitted, and appraisal done my New Rez selected appraiser. 

In early XXXX, I received a letter from New Rez denying my request for PMI removal. Even though I meet all the requirements from what I can see and their own customer service can see. 

I called last week and was put on hold for an extended period of time. This week I have called 4 times to the number provided in the letter to try to speak to someone about removing my PMI and finding out why I was denied. The number goes to their customer service and I'm told various things from a supervisor can help me to they have no way of getting someone from the " correct department to call me ''. I was told 3 of the 4 times that I would receive a call back from a supervisor. And that I would have to wait 24-48 hours for a call back. On my 2nd call, I asked if I missed the call would they call back or how I would be able to get ahold of them. I was told I would have to just call back into customer service and put in a request for a call back again and to wait 24-48 hours. But not a single call came after the first 3 calls. On my 4 call this week I was was given the honor of being graced with a supervisor to speak with to tell me he couldn't get in touch with the right department and the only thing I could do is send an email again. 

Following the call I sent and email and expect it to take another 30-45 days to receive another form letter, not, relevant to my case. As my experience with New Rez earlier in the year provides.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Nelnet, Inc.
State: IN
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 have been a victim of identity theft. I have tried to resolve this issue repeatedly, and now this has been transferred to another company. Nelnet Also In accordance with the Fair Credit Reporting 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
I am not nor giving permission to furnish these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: TN
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:
Company 1 : XXXX XXXX XXXX XXXX date : XX/XX/2020 Company 2 : XXXX XXXX XXXXk In accordance with the fair credit reporting act. The creditor has violated my right 's. Under 15usc 1681, section 602 states that i have the right to privacy. 15usc 1681 section 604, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 B, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, XXXX has XXXX inaccurate addresses reported on my credit file. When contacting them they told me addresses could not be removed. they could only reach ut to other credit bureaus such as Equifax and XXXX to inform them that those addresses are not mine. 

These addresses do not appear on XXXX or Equifax and XXXX is refusing to remove fraudulent addresses. 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX, I purchased a couch set from Macy 's financed through their in-house financing for 0 % APR ( if paid for within a year ). Following the plan, I paid it off in a year but then they moved their financing to an out-of-house financier. When that move occurred, I theorize that my information was not properly transferred because in XXXX I started to get collection agencies calling me and my credit report showed that I owed more than {$1300.00}. I did not have the paperwork at the time so I paid a creditor, who was supposedly working directly for Macy 's, over {$1300.00} under a payment plan. The collection agency agreed to have this removed. For a time it appeared that it did get removed, but it would occasionally show up a creditor would call me about it, it would show up on my credit report, I would challenge it and it would appear to be removed again. This has happened almost yearly, if not more. Now I am trying for a mortgage loan and it is once again appearing. My creditor provided me with this and am now trying to once and for-all get this 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 2021-12-10
Company: JPMORGAN CHASE & CO.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I sent through XXXX a payment of {$2000.00} for a rental property, When I got there there as a sign for sale on the rental property. I can home and called Chase bank to cancel the XXXX transaction. Was told then that the fraud department would contact me immediately. Never heard from Chase or any other person. XXXX contacted me and told me to take the matter up with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a Lowe 's credit card when making renovations on my kitchen. Although I quickly paid off a large ( $ XXXX ) balance and the parent bank ( Synchrony ) showed my payment as having cleared on XX/XX/2023, the bank is still reporting the balance as outstanding as of XX/XX/2023. The bank representative said this is because this is a new account and the bank will take up to 20 days for " processing. '' As a result, my credit score has fallen from XXXX to XXXX even though the lender has now had my funds for XXXX days. This is absurd.

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 2018-04-08
Company: Netspend Corporation
State: CO
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:
On XX/XX/2018 my Netspend/ XXXX XXXX debit card that I use was compromised while I was at work. During the time of the fraudulent activity I was at work and the card was in my possession. In the hour between XXXX XXXX- XXXX XXXX I received a total of 11 notifications of withdraws being made on my account from an ATM located at a gas station. I immediately notified Netspend of the fraudulent activity, and canceled my card. I also did what they requested and filed a police report and sent them a copy of the police report the same day that this incident occurred. I also offered to send a copy of my punch card to verify that I was at work during the time of the fraudulent activity in which they declined and said that they had all the documents they needed. 

I waited a total of 10 business days for them to investigate the fraud with out getting the money credited back into my account. On the 11th day they notified me that they did not find any errors and were not going to credit my account the {$1600.00} that was stolen out of my account. However, according to the Netspend website they follow federal regulations in which they do not allow more than 6 ATM withdrawals and the withdrawals can not exceed {$940.00} in a 24 hour period. So Netspend did make an error in that instance. Also any time a fraudulent charge appears while the card is still in the card owners possession the company is required to cover it. For all I know the fraudulent activity to my card could have been an inside job since there were obvious errors made on their end, and they declined the offer to additional documents proving that I did not make these charges.

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 2019-03-15
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was reported to credit bureaus for missing 1 mortgage payment since I opened the account in XXXX. I called PNC mortgage on XX/XX/XXXX and explained that I attempted to make the payment on time in XX/XX/XXXX and there was an error in the routing number. They agreed to rescind the late fee of {$75.00}. I made the mortgage payment on XX/XX/XXXX for the current and past due amounts before the late fee accrual date on XXXX of the month. PNC reported my account as being 30 days past due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Hi Transunion has a 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 710. transunion has me at a score around 592. 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 XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2017-06-06
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a new car in  XXXX  in which it was financed b y Santander Consumer USA. The payments were going fine until I experienced  financial hardships in  XXXX  and fell behind on payments. When I contacted them I was told that since the payments had not been made that the truck had been charged off in which {$27.00},  XXXX  had been written off. I am still in possession of the truck and making payments. I was told by the company that in order for the charge off to be taken off my credit report that I had to pay the loan out in full. I am concerned about this matter because I am paying the note every month but it is still negatively impacting m y credit score. I do  n't think this is fair and not sure of what a fair resolution would be but I do feel that it is unfair to continue to pay the note and it still negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Hi XXXX has a 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 710. XXXX has me at a score around 592. 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation