BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-13
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
All Navient does is call all the time demanding money and threatening economic harm if they do n't get it. They wo n't send me the log in info I need to get into their website, they wo n't give me a straight answer to my questions on the phone and they insist on humiliating and harassing me by refusing to get to the point until I answer all sorts of personal questions, as if an identity thief is going to succeed with anything by talking to their collection dept. Please give me another servicer, I am so close to not caring anymore about default because of Navient 's abusive conduct. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I wrote a check to XXXX XXXX for my water bill. I made a mistake writing the check and wrote {$1000.00} in the number part and wrote {$110.00} in the number part of the check. Banks are required to use the number part of the check. XXXX XXXX processed the check with XXXX Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXX at XXXX bank and was told I was correct and the {$110.00} amount should have been the correct amount. She stated XXXX bank processed the check thru US Bank XXXX XXXX XXXX XXXX on XX/XX/2021 and was told they could not find the money. I have spoke with XXXX numerous times and keep getting the same story. It appears to me as if US Bank and XXXX bank are being evasive about refund my {$910.00}.

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 2021-12-16
Company: Paramount Capital Group, Inc.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took a loan out with them to get my semi truck license. They tell us if we don't pay the loan they take away our license and put us in prison for non payments. They also never have a set amount on intrest like when I pay XXXX one month XXXX will go to intrest and then the next month only XXXX will go to intrest the next month. They will also hound me call when I first got the loan called ever 30 minutes back to back XX/XX/XXXX. I also got an email from a trucking company saying they like to higher me and they take on my loan. Im wondering if they sold information on my loan to other trucking companies without my permission. Recently they been calling me when I'm sleeping as I work nights. An because of its been braking my XXXX hours of sleep I need to operate my semi truck safely. The intrest rate is also never the same amount it always changing every time I pay. I also have not gotten a email or mail saying how much went to intrest and how much went to the the principal. Since this XXXX and there are some month where I never got the mail or email on the loan. Also they changed address and never up date the paperwork I used to get In my email. I had to call them to get where I was to send the payment to by mail and it was frustrating. Some time I send them a money order in the mail around the XXXX or XXXX and they won't deposit it till the XXXX or XXXX of the next month and clam it was late an such. I did that for a few months before I got sick and tired of them sending me an email saying it was late then not deposit it till later. know I have pay about XXXX in total so far and the loan was only XXXX if I remember right. An even working with them is hard as they sometimes will give me XXXX for over paying them at times. They also never told me what the total amount for of money that be for interest. The paper says it's 18.99 % but never said the amount of interest is like XXXX I believe is about the interest. I have also heard from other truck driver will pay it off an the loan an the company will reopen the all ready pay loan again for no reason. I'm wondering if i have all ready pay off the interest and they are just tackle more on. I was also looking at my state license so they have a license for debts collectors and another one but there corporations license has been expired since the XX/XX/XXXX. Doses that affect them being able to do business here? Know there over charge me and there not telling me how much I have left on intrest only how much is on the principle. An I thought it was supposed to be group together as a total. As when I bought my first car they had shown me intrest and values an other stuff add together to show the total I was to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: SYNCHRONY FINANCIAL
State: MO
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:
On XX/XX/2021 I started my first dispute about XXXX XXXX XXXX XXXX XXXX {$2200.00}. At that time, they closed my claim without letting me know the reason. Please I would like copies of all documents that XXXX XXXX XXXX presented to the bank. I also want the " before and after " photograph of me that she sent to the bank to prove her case. Thanks.

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 2016-11-19
Company: Mercedes Benz Financial Services
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I financed my vehicle through Mercedes-Benz Financial Services. I discovered that the mobile app and other company records ( not including my contract ), according to my phone call with a representative, that my contract information shows 73 months instead of the 72 months listed on the contract I signed. I opened the loan on XXXX/XXXX/XXXX. The representative informed me today that my last payment would be XXXX/XXXX/XXXX ( not XXXX/XXXX/XXXX as expected per my contract ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXe is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
failing me at every stage of repayment improperly applied payments to accounts lack of guidance to repayments did not disclose information needed to lower payments did not disclose information about releasing co signer from loans

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The company charges an overdraft fee then waits for you direct deposit to post before it pays the merchant. i borrowed money from a lender and once payed back you can borrow XXXX days later. The company " payed '' the lender my account went negative as a result they charged me the insufficient fund fee but XXXX days later i was n't able to borrow again. i had to wait XXXX days after my payroll deposited. They essentially claimed they paid, charged a fee but waited until my direct deposit posted until they payed the merchant,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.

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 2016-02-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account with XXXX XXXX. In XXXX 2014, the account was closed because I moved. Later, they sent me a refund check in the approximate amount of XXXX. I never heard from them after that. Recently, I received a collection notice from XXXX XXXX XXXX. I then contacted XXXX during the validation notice period and paid the account in full. I was told the account would NOT result in a negative entry on my credit report. Several weeks later, XXXX reported the collection account. I contacted them and explained that the account was paid, provided them with proof of payment, and was told the entry would be deleted. As a back up, I filed a dispute with Equifax , including the proof of payment with the dispute. Equifax said they verified that the entry was being reported correctly, in spite of proof of payment supplied to them. 
XXXX XXXX, XXXX, and Equifax are responsible for an entry on my credit report that has severely lowered my credit score. In spite of direct verified proof that the entry is inaccurate, and in spite of repeated attempts by me to resolve and remove the entry, they refuse to delete the inaccurate entry, and I have been damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Bank of America sent me XXXX credit card offers checks for no interest for 12 months and 3 % transaction fee. I accepted the offer and deposited XXXX check into my account. They started charging me interest on both accounts. I tried to argue and tell them that this was 12 months no interest offer. They did not agree to remove the interest and said the offer was not valid if you deposit the check on your name. They said it had to be deposited on someone else 's name. I said If I had read that then I would have certainly deposited in my wife 's name and do an online transfer to my account. I said, there is no where written in the offer that I can not deposit the check in my name. They wrote me a written mail that it was written on top of check that the offer is invalid if deposited to your name. I requested a copy of the check to verify and confirmed that there was no such thing written on the check ( check and their communication is attached ). I tried arguing as this is a fraud and stopped making payments on both cards. Ultimately they ruined my credit history. Please look into this as I seriously need to buy a bigger house as my mother lives with us and i only have a XXXX bedroom house with XXXX kids, my wife and mother. I have attached their communication and copy of the check

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 2015-08-24
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Pioneer Credit Recovery has sent a garnishment notice to my boyfriend 's employer on XXXX/XXXX/15 after he had made payments to them on XXXX/XXXX/15 and on XXXX/XXXX/15 which we have proof of. As a previous debt collector, I understand that a payment still counts regardless of the amount and I am convinced that this instance is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a new membership at XXXX ( a local credit union ). I was told that my application was denied because of information that Chex Systems provided. 

I requested a report from Chex Systems but the report showed no negative activity. I am unable to reach anyone at Chex Systems to verify what negative information they are providing to the banks that I have applied at. There is nobody that answers the phone or any email to obtain service. 

When I called to verify the issue at XXXX, they told me they can not tell me what negative information Chex Systems provided them in order to deny my application for a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: American Credit Acceptance, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
American Credit Acceptance has an entry on my credit report for an auto loan with open date XXXX/XXXX/XXXX. They also have an entry on my credit report for an auto loan with an open date of XX/XX/XXXX-terms of loan mentioned and all. I 've never had an auto loan contract with those dates and none signed under the name American Credit Acceptance.I purchased a vehicle XXXX/XXXX/XXXX from XXXX in XXXX XXXX and XXXX financed it. Certificate of title for the vehicle states date acquired XXXX/XXXX/XXXX and lienholder XXXX XXXX XXXX. Turned in my vehicle and keys sent certified mail in XX/XX/XXXX, email sent to XXXX telling them where vehicle left and that keys mailed. Credit report does not have any information from XXXX XXXX Now for my XXXX/XXXX/XXXX signed contract. American Acceptance showed upon my credit reports with the dates listed previously and I did n't know who this was. XXXX XXXX bought the charged off 'american acceptance ' account I knew nothing of and put an entry on my credit reports that they owned the account that was opened XXXX/XXXX/XXXX ( what account? ). XXXX XXXX suing me for american acceptance debt ( what happened to XXXX? who is XXXX ) and provided copy of a sales contract in my name and a signature dated XXXX/XXXX/XXXX purchased from XXXX but balance owed statement from american acceptance ( summons ) stating I owe money for a contract dated XXXX/XXXX/XXXX. What contract is that? I disputed on credit reports all of this and american acceptance-XXXX confirmed it. Had court hearing today XX/XX/XXXX and judge asked if XXXX changed the date would that help? And also said that the dates did n't matter. A signed contract date does matter. Info falsely reported on my credit reports for years and no one trying to take it off. No resolution in court because I refuse to pay for something that is not mine and for info falsely reported against me ( no payment arrangements and XXXX used info they bought from american acceptance to sue me, when that info is false. Was said in court that attorney for XXXX did not get my credit report by I checked and their law firm completed an inquiry on my credit file XX/XX/XXXX so they should have seen that those reported dates by american acceptance did not match a contract the attorney states was mine. I 'm XXXX over this because if a judge says dates do n't matter and that if they changed the date would that make a difference ( wanted to try to get it all resolved ) and if they dismiss this case and re-file with correct dates on paperwork, I 'm doomed for not fault of mine. Please help me. I called the court back to see if I could get a transcript of today 's hearing but was told by rep who answered the phone that they do n't record for that type of case. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
While attempting to finance my education at XXXX Schools I was told I would need a co-signer. I asked a friend to co-sign my private education loan. My friend agreed, when finalizing the financing I was informed the student loan would need to be in my co-signer 's name and not mine. I was assured that as soon as I finished the schooling, I would be able to transfer the student loan into my name. After completing the program, the financial institution refused to transfer to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am a coborrower for my son who got XXXX loans from XXXX XXXX more then 10 years ago. The loans were originally a pretty small amount but with forebearance and deferments that are very high now. We were never told that interest would go up nor were we told that interest would continue to accumulate during these times. We tried numerous times to get the loans consolidated and were told that is n't possible. I also asked to have my name removed from the loans and was told that was n't possible either. A few months ago I filed paperwork to get my name off the loans because I am now XXXX Veteran and I 'm now on XXXX I was told it would n't be possible but I have yet to receive any paperwork in the mail stating such. I 've have tried on many occasions to work with the loan company to get payments that my son could afford but we were told that is not a possibility they would only accept the over {$400.00} plus dollars a month and nothing else. We paid them money on a few occasions to place the loan in forebearance. I 'm very frustrated as this has affected my credit over the years and I do n't blame my son as he was unable to repay the money but wanted to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: GA
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:
When I went to the dealership they ran my credit multiple times even though I already had an approval from XXXX on XX/XX/XXXX. All these inquires are fraud! I listed them below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these above were ran by a XXXX  out of XXXX Al. I have already did a police report and told XXXX headquarters about their sales team at this location running peoples credit without permission. I already had an approval from XXXX on the XXXX of XX/XX/XXXX for a loan amount of {$22000.00} before I ever went to this XXXX. Attached is my police report and below are other inquires that are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2017-02-09
Company: Netspend Corporation
State: GA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
i funded an overseas account for trading stocks and was promised an account that would return 80 % back after loosing 100 % I requested that the money be returned per the agreement. and got no response from the merchant and for approximately 15 days was afforded no help from Netspend on the status of my remaining funds. in the interim Netspend classified it as a fraud charge when I specifically told them it was for a product trhat did not live up to the claims of the merchant. after 2 months and many emails the merchant finally returned my call and stated that the bank & lt ; Netspend had disputed the charge and they were waiting for Netspend to take the funds back as it was classified as a charge back and yret was still sitting there. upon informing Netspend of this I was told it was under i investigation and would not be resolved until another 3 months time. I will attgach all correspondence that I have had with Netspend and their failure to even acknowledge my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation