BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: STERLING JEWELERS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
These problems are wit h Jared The Galleria O f Jewelry.  <P/> First, when I applied for the credit account, I was told the credit check would be a soft hit. It was a hard hit. They lied.  <P/> Second, I have received no information about how to pay down my account. Logging into their website and clicking on  " My Jared Card '' brings me to a page with recent orders, nothing to do with the credit account. When I contacted Jared via chat, I was told my address in their system was incorrect and they needed my birthdate to verify. When I provided my birthdate, I was told the date was incorrect as well. I was then told I needed to fax my state ID card to them. This is 2017, I do n't know where a fax machine would be, or how to use one. Additionally, I was told I needed to provide my account number when I faxed them. Trouble is, I do not know my account number and they wo n't give it to me since the information they have on my account is incorrect.  This is a circle of illogic.  <P/> I was also told I could visit my nearest store. The nearest store is prohibitively far away for such a trivial matter.  <P/> Finally, when calling their  XXXX  number, t  he automated system keeps saying " Sorry I did n't get that '' and will not connect me to a human.
<P/>
Jared messed up and now they are preventing   me from paying my debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-01
Company: Chaplain Financial Services LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call on my cell phone from  XXXX  at   XXXX   XXXX    on  XX/XX/2017 . They stated I had a debt and they were having me served for non payment. They said if I got served at home I needed to present them with 2 pieces of id, but if they served me at my job they would make my supervisor and make them aware of what I owe. The left the number   XXXX   XXXX   file #  XXXX . When I called back the person hung up when I asked name of company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a complaint against this company on or about  XXXX   XXXX ,  2017  with regard to my  XXXX  bill. On that same date they responded through this portal with a response and a name of an individual with whom I was supposed to contact to have this debt resolved. Thereafter, on  XXXX   XXXX ,  2017 , I sent a letter to the FCC,  XXXX   XXXX  as well as Convergent advising them that the name and number of the person that Convergent requested for me to speak with NEVER called me back and that I NEVER spoke with her.   Thereafter, I was in contact with someone from  XXXX  Headquaters via email and telephone to advise her tha t Convergent  has not called me to rectify this debt. When the  XXXX   XXXX  called  Convergent,  they lied stating that they have called me and left me several messages which they had not. I forwarded the  XXXX   XXXX  my call logs as well as voicemails. Thereafter, after approximately  2 w eeks of back and forth with the  XXXX   XXXX  I requested if I could pay my debt directly through  XXXX , which I did on  XXXX   XXXX ,  2017 .   Please also note, that I checked my credit report yesterday a nd Convergent report ed this debt as not being paid or disputed on  XXXX   XXXX ,    2017  when they knew and had knowledge of the fact that I was calling them to rectify this matter.   I would like to information on how to sue this company.

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 2017-05-31
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was tran sferred to Specialized Loan Servicing in   XXXX   XXXX .  SLS h as failed to honor the payment amount that  XXXX   XXXX  had in place while they serviced my loan. My payment amount was {$2600.00}.  SLS says that my  payment is over {$2600.00}. This is clearly wrong.  <P/> In addition,  XXXX   XXXX  ran an escrow analysis in  XXXX   XXXX , and my payment adjusted. When the loan transferred , SLS failed to honor the escrow analysis, and ran another analysis. The payments increased again, and I  was given limited help in having this issue rectified.

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 2018-10-11
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX Points were clawbacked from my American Express Account I tried asking american express to reinstate those points since I have closed the card as I have moved out of US for a while and wont be able to use the cards. 

XXXX refused to do so claiming I was trying to game the system!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
my student loan amount keeps increasing every month. I ask and they told me that my school did not report correctly the information to the loan servicer, and they adding more money for that. They change the interest rate and increases the amount that I have to pay again. I request Information regarding the reporting problem and they fail to provide me with the information. I need your help in solving the problem since the money going up and up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: AMALGAMATED TOKEN SERVICES, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Amalgamated Token Services Inc., ( Coinlist ) offers XXXXy exchange functions. In XX/XX/2021 I transferred {$500.00} from my XXXX bank account, bought a XXXX called XXXX ( XXXX ) and signed up to have it staked. In XXXX I removed the balance from staking and it had appreciated by price to {$1100.00}. XX/XX/XXXX, I sold into USD but Coinlist is only allowing me to withdraw {$580.00}. I am not able to close my account or access my remaining funds and have sent several support tickets to request this be done. They are located XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX, XXXX XXXX. I've tried to reach them via email, XXXX, support ticket ... no response, no update.

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 2022-04-26
Company: EQUIFAX, INC.
State: MI
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  account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 

In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 


In accordance with the fair credit reporting act XXXX BANK account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 

In accordance with the fair credit reporting act XXXX XXXX account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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 In accordance with the fair credit reporting act XXXX XXXX XXXXccount # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Navy Federal was sent a certified letter regarding my vehicle being in an impound lot that was signed for on XX/XX/2021. Navy federal did not inform me of this and the vehicle was later sold at auction by the XXXX police department. To this day navy federal is still taking my money for a vehicle that neither of us own. At the time my account was in good standing and I should have been notified before the given time to respond. I have attached all of the paperwork that I have received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello. 

I made a deposit to my account at a Wells Fargo atm machine located at XXXX XXXX XXXX on XX/XX/XXXX at XXXX. The atm was XXXX. I initially wanted to deposit over {$500.00} but since the atm only took up to XXXX bills at a time I had bills spit back out to me. I still was within my limit so I put more money back in to complete the deposit and the machine jammed on me. I took 5-10 minutes of me sitting there for the machine to say that it was experiencing a jam and unable to deposit my money. I was told to enter the amount that had already been deposited and they will credit my account. I then received a receipt after I entered the amount of {$400.00} saying that i was credited XXXX cents. The receipt reads We are already working to credit your deposit. Here is what you need to know : You so not need to take any further action. We have credited XXXX as a placeholder. We will fully credit your account within 2 business days. I still have this receipt and I wanted 2 days. I still wasnt credited the amount which I needed for rent. I called the customer service line and they put in a claim. When I called the claim specialist the next businesss day I was told that If i hadnt called nothing wouldve been fixed and checked for me. That was very sketchy and ridiculous to me. She then said that it would take up to 10 businesss days to be resolved. Ive contacted claims multiple times with no valuable update but to wait. Finally on the 10th day which was the 16th I received a claim letter that it was denied. When I called a claim specialist they said they didnt find me depositing anything. When I asked if they checked the cameras because I was there for over 20 minutes they said I would have had to been waving the money to the camera. At 10 at night?? Waving the money in a suspicious area I couldve been robbed easily. This woman name was XXXX. I had to send me to a manager above and she couldnt reach them. I also had them send me to the executive office and still nothing. At this point this is insane to me and I didnt even think this type of thing could happen. Wells Fargo stole my money and Ive been a customer with them since XXXX with no fraud on my account and no reason to lie about this situation. After submitting this report I have already talked to my lawyer and prepared to take more steps to get this situation resolved.

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 2017-05-31
Company: EQUIFAX, INC.
State: TX
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:
This account is  a Private Student Loan a ccount that was originally through  XXXX . The account was opened on or around  XXXX / XXXX / 2008 . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided,  XXXX  deemed that I was no longer liable for this account.   XXXX   and  XXXX  have already been updated, they have removed the  XXXX   XXXX   XXXX  account from my credit reports, however, Equifax has not removed this account. I have disputed this account several times on Equifax, and each time, they respond with the creditor has validated this debt. I have called  XXXX  several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT.  XXXX  directs me to contact  XXXX   XXXX   XXXX   (    XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact  XXXX , as they are the ( only -  XXXX  is NOT ) lenders reporting on my Equifax credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  XXXX   XXXX   XXXX  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words,  XXXX  and  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was originated with XXXXXXXX XXXX XX/XX/2020, and serviced by XXXX XXXX XXXX. We were notified the loan servicing would be transferred to XXXX XXXX effective XX/XX/2020. The payment was sent using XXXX  XXXX XXXX XXXX XXXX XXXX service XX/XX/2020 for a XX/XX/2020 arrival date. As of XX/XX/2020 they XXXX customer service claims to not have received the payment and have assessed a fee. I reached out to XXXX  and was given all the information, Conf #, date mailed, address ( confirmed with XXXX ), dollar amount and loan account #. All this information was provided to XXXX through their email resolution team. I followed up this morning and was told a copy of check front and back would be required to perform research, however if a check has not been negotiated, I can not provide copy front and back.

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 2022-03-22
Company: Collection Management Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are debt collecting against my XXXX year old XXXX, XXXX XXXX ( birthday XX/XX/XXXX ) for {$150.00} dollar hospital fee. I called to advise they can not debt collect against a child and they will not remove the debt even though they violated the law. On XX/XX/XXXX they confirmed the debt is in my childs name on a recorded line and apologized for their error but can not remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: JPMORGAN CHASE & CO.
State: TX
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:
This account is a Private Student Loan account that was originally through Chase.  The account was opened on or around XX/XX/2008. The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided, Chase deemed  that I was no longer liable for this account. XXXX and XXXX have already been updated, they have removed the Chase Student Loan account from my credit reports, however, XXXX has not removed this account. I have disputed this account several times on XXXX, and each time, they respond with the creditor has validated this debt. I have called Chase several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT. Chase directs me to contact XXXX XXXX XXXX ( XXXX ). I have called XXXX several times, and have spoken to several people, including supervisors, and they have no record of my account. XXXX directs me to contact Chase, as they are the ( only - XXXX is NOT ) lenders reporting on my XXXX credit report. The numbers that I have tried are XXXX ( XXXX ), XXXX ( old Chase Student Loan line - which no longer works ), XXXX ( XXXX - this is for Federal Student Loans ). In other words, Chase and XXXX are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This letter is to serve notice of an error that occurred and a demand to resolve. 

On XX/XX/2021 the merchant, XXXX by XXXX deposited/credited a total amount of {$9200.00} into my personal checking account. I noticed after checking my account balance on XX/XX/2021 that- {$9200.00} was debited from my personal checking account by the merchant XXXX XXXX XXXX. I reached out to the financial institution, Navy Federal on XX/XX/2021 to request an explanation of why funds were reversed/taken. The explanation the representative of the financial institution, Navy Federal Credit Union provided me was " The merchant has up to 180 days to go into your account and settle any issues. '' I had to leave this issue right there after that exchange, because I felt, that what was being told /stated was in good faith the correct and right information, however on XX/XX/2021 I contacted the financial institution, Navy Federal and spoke with XXXX XXXX who informed me that she is no aware of such a rule that a merchant has up to 180 days to settle an account. I was faberglasted, confused and now determined to get to the bottom of this. 



As of today, XX/XX/2021 this matter has not been appropriately addressed. I want to have this resolved, as I believe this was an EFT error on the financial institute, Navy Federal. I would like to know ; ( 1 ). Why was I not given prior notification by phone, email or text of the EFT transaction that took place on XX/XX/2021?, ( 2 ). Does a merchant indeed have access to my account for 180 days in order to settle any discrepancies?, ( 3 ). Who authorized this EFT transaction?, and ( XXXX ). If it was not authorized was there written approval of a preauthorized EFT? 



I find that the financial institution, Navy Federal is in violation of Regulation E ( C.F.R. 1005 ) and I am requesting a formal claim of error investigated pursuant to 15 USC 1693f. I contacted the financial institution, Navy Federal pursuant to 15 USC 1693g ( a ) ( 2 ) on XX/XX/2021 and was made to believe I had no other recourse in this matter. This was false and deceptive practice by the representative of the financial institution, Navy Federal. I did not authorize ( 12 C.F.R. 1005.3 ) or preauthorize ( 12 C.F.R. 1005.10 ) the financial institution, Navy Federal to perform an EFT of my personal checking account. As a consumer, pursuant to 15 USC 1693a ( 6 ) I am invoking my consumer right to have this matter investigated and resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello All, I have two issues, one with J.P. Morgan/Chase Bank and the other is with the WA State Supreme Court Clerk.
The Clerk 's of the Courts effectively run interference for the court so they do n't have the court to hear Constitutional issue. I lost my family home of 61 years because of Clerk 's of the Court refuse to Docket my petition that the WA Constitution Article 1 Section 4, the right to petition. J.P. Morgan/Chase Bank commit fraud on a daily bases for profit at the expense of the consumer. Please help the American Consumers.
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid {$110.00} to  XXXX   XXXX   XXXX  in person when I closed my account and gave them back The equipment I was renting To receive the internet. They must have sold my information to another company because now Diversified consultant inc Is on my credit Report as of   XXXX   XXXX   XXXX     claiming that I ow e Them { $110.00}. Because of the false claim that I owe money, my  credit score w ent down. I do n't no who th is Company  is. I do n't owe them anything my last bill was paid with  XXXX   XXXX   XXXX .   Please help Me Thank You

Company response to consumer: Closed with explanation