BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX. I contacted Citibank re : my Sears ( Shop Your Way ) Mastercard. I spoke to several agents in which 2 offered this months interest and XXXX late fee as discount for being a valued customer. I feel I deserve a better discount for the following reasons : I have paid interest since XXXX, I used the card more during Covid as I waited 8 months for unemployment and it was a source of money. This was a hardship for me. 
I have been hacked 3 times in past year ( I was in XXXX when they closed my acct as someone in CA tried to charge {$500.00}. ) They refused to ask me security? 's and I barely got back home to MI. I have asked Citibank XX/XX/XXXX to not allow usage of card as I am not going to use it and I haven't.

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 2023-12-04
Company: Block, Inc.
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made a purchase in XXXX from XXXX. I returned the item in store. To make the return you have to get in the app, get a card and double tap it on the payment screen which I did. I received an email about my order being refunded on XX/XX/XXXX but recently I went on the site and seen that I was still paying for the order Ive been going back and forth with Afterpay, providing them screenshots from XXXX showing the refund, photos of emails Frm Afterpay stating I would also receive a refund but they Dnt seem to understand that I may have been given a refund but I am also still getting charged. I just received a text message stating I have a payment due, for an order I returned!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: AZ
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: Information is incorrect

Complaint:
I want my idenity back and my chance at having a good credit history i been a victim of idenity theft since 2013 when i was released from the XXXX XXXX XXXX XXXX  i ve been used and tooking advantage of my chance at ever building or establishing credit i have never owned a bank account or had a credit card yet im banned and not allowed to have one they said i was red flagged the panademic happened i got sick with covid XXXX  the XXXX  strand and the XXXX  and i couldnt even recieve ui benfits or pua benefits because someone else claim my money ive filed fraud and idenity yet im still wrongfully being accused of all different kinds of emoloyment and benefits i never recieved im a single mother and i didnt finish high school but i did get my XXXX  in XXXX  i been asking for help and tryn to fix and dispute things on my file that are not mine i cant even get a annual credit report because they say my information doesnt match what am i suppose to do i ask and call write and send emails yet im still getting no where i was told i recieved XXXX in unemployment benefits where i wan na knw where and when i got this money im living in a XXXX XXXX  and been XXXX  since the panademic i hate that ive suffered so much due to negligence of the state and them not doing there proper investigation or even maken attempt to help me get down to the bottom of this i may not come from money and i do hve convictions on my background but that doesnt give anyone the right to take things that are or money or even using my ssn and name for anything i pay taxes like everyone else and should be treated equally to everyone else i paid my dues for my wrongs and i dont deserve to be put on hold because of it someone is using my idenity to work or to get money or take money if someone wants to pretend to b me then they should go do my time everytime i get in trouble just saying they ruined my life and i didnt understand how important it was to keep a credit history good or even knw how much a credit score could have a impact on my life til now ive never had a credit card or debit card from a bank but im red flagged from all banks im not the smartest but i knw that this is not ok please help me fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Paid my Synchrony Bank Sams Club credit card in total of {$3700.00} and accidentally paid it twice resulting in the same amount as a credit. Contacted customer service and was told that it would take 7-10 business days to receive a check and there was no quicker way. I wait a week and call back to check the status. I was told that it had not been processed. I was then told that they would send it via XXXX  XXXX in 3-5 days. Requested a manager to contact me back as to why it was not processed the first time. Never received a call and never received the check. Call back a week later to find out that it was still being processed. Was told that a Manager tried to contact me but the notes said that there was some noise but nobody said anything. I never received the call and they didnt try back if they did call. Im now given the same song and dance about getting my check and someone following up 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 monetary relief
Consumer complaint received 2023-12-23
Company: MOHELA
State: MA
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 am having issues with getting straight answers out of MOHELA. They change their story every time I call them ( which takes multiple hours each attempt ). 

- In XXXX and XXXX I requested a bill ate change, in accordance with the process on their website. My loans were placed in a three month forbearance, and when they went into repayment the due date change STILL wasn't applied. They have no responded to my requests to change the upcoming XXXX due date. 

- My loans were placed into a forbearance without my knowledge, causing my XXXX payment to be unnecessary, and a duplicate that wouldn't count towards PSLF. When I asked for it to be refunded, they accepted the request, but I never received the refund. It's been over 30 days, which I was quoted as the outside range, and they have no answer as to where my refund is. 

They are dismissive, evasive, and are impossible to get ahold of.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Reporting wrong information on my credit report 15 USC 1605 Equal Credit Opportunity Act 15 USC 1635 Truth in Lending Regulation Z Act 15 USC 1662 ( 2 ) -No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

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 2023-04-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
amex card was opened and use without my authorization I wish this account be closed and erase from my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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 reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 2023-10-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am in the process of buying a home and I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about my reporting. I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. I have highlighted all the discrepancies. Please remove this inaccurate information from all bureaus as you are in violation.

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 2023-06-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/XXXX online service agreement contract signed car deliver to my driveway. 
Contract is blank on address, so I believe the sales agreement is invalid. 
My interest rate was XXXX However the company has collected more than I owe, during COVID they called saying I could refinance over the phone and it ended up being a scenario. So with my regular payments {$250.00} and my gap insurance of {$330.00} not one has been late in fact I have been over paying {$790.00} or paying double some months. But I just also realized that my vehicle is being vandalized even after I took it to a certified collision repair center on XX/XX/XXXX It cost me {$1000.00}. 
Then XX/XX/XXXX XXXX XXXX  paid {$500.00} Invoice XXXX Transaction # XXXX {$280.00} Transaction # XXXX {$320.00} Transaction # XXXX {$710.00} Transaction # XXXX {$390.00} Transaction # XXXX {$400.00} Meanwhile I was on recurring payments at {$250.00} from my checking account and my mother was also going by the bank due to letters the Wells Fargo kept sending and depositing multiple XXXX into my account ending in XXXX. I kept my portion of paper receipts thats how I have these transaction numbers. However the rest is digital and the bank has been playing and the sales contract is possibly what makes them think its acceptable. I would like to formally introduce myself, XXXX XXXX. The person responsible for the car having a clean title and no leans would be XXXX XXXX XXXX XXXX, with with Wells Fargo Dealer services on the paper work. They have been negatively impacting my credit and I believe phishing and selling my personal information. I would like this nightmare concluded. If there is a person who can please help me I would appreciate it very much. It was the COVID callers calling 24/7 about my auto loan asking me for my social number and sending me to it to set up a new online account and the branch not having any information regarding payments or interest vs principle. I wrote XXXX with the enclosed papers about a possible Lemmon on my hands. However I didnt hear back from them, my car continues to have one key and get vandalized every time its in a secure parking garage or doctors office. I believe someone might have the spare key or its a engine immobilizer issue. Its been messed up as well as other very dishonest services and thefts.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My only name is XXXX XXXX My only address is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX My only employer is XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to 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 non-monetary relief
Consumer complaint received 2021-06-25
Company: D2 Management LLC
State: AR
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:
Ive been making payments for my student loans to a company called D2 Management who i thought was handling my loans, turns out that they haven't and XXXX XXXX has no reported payments on my loan. I was told by D2 that they worked with them but tirns out that they do not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Information belongs to someone else

Complaint:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
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'm having problems with getting an answer from the bank ( TD Bank ) I do business with. 

It seems like I'm just getting a run around, and their main headquarters nor the branch are providing answers to the issue. Except denying and honoring the dollars taking from ( 2 ) of my accounts. 

On XX/XX/2023 someone broke into my car and stole my briefcase which had my computer XXXX XXXX XXXX  bag along with my wallet with credit cards & debit cards. 

Within a short time later, I reported to the XXXX XXXX police department and all the information was documented. 

All my credit cards including ( TD Bank ) debit cards were stolen and used for withdrawals via ( TD ) ATM machines. 

All the credit card companies involved declined the fraudulent activities however, ( TD Bank ) is not acknowledging the withdrawals made on ( 2 ) of my bank accounts. 

Who other than the bank can I reach out to help me recover the amount of money ( {$1900.00} ) I lost? 

If not your agency I would appreciate your help, if you can provide some direction on who I can contact to recover my money. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: LA
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'm writing this CFPB Complaint in accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of the contested accounts is provided below : XXXXXXXX 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 explanation
Consumer complaint received 2022-02-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received checks from TD bank under my name and address. I called up TD bank and they flagged it for identity fraud. They advised to file a complaint with the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, my friend XXXX gave me a prepaid gift card as a gift for the care and support I gave him during his illness with XXXX. In order to remember our mutual help and friendship, I let him register the card in his name, I was going to use the card in a store, but I needed to order something on a foreign website and I didn't want to expose my personal privacy and credit card information on a website outside the XXXX. So I tied the gift card to link my paypal account and successfully paid for the order, I haven't too much thoughts then removed the card because there is no money in it anymore, I didn't change the card to my name, even though I have the receipt and picture of the card, actually I can do it but I ignored it. Because it linked to my paypal account without any problem and paid successfully, I ignored the name issue, but perhaps because of this little accident, XXXX  days later, paypal cancelled my order without any explanation and without giving me any opportunity to explain or verify it, and just brutally and permanently limited my account, I received an email told me that I no longer could use the paypal because of potential risks. I was mistakenly considered a fraud by the foreign merchant and refused all my future transactions. 
Even though I compensated the merchant for the loss but they said they didn't receive. they still refused trade with me. Paypal returned the money on XX/XX/2022, however the gift card was locked, I called the gift card bank a few days later and was told that the money had been returned but I needed to fax them some receipts, since the gift card was purchased by XXXX, I didn't fax it to them. A few days ago at the XXXX XXXX XXXX XXXX party, XXXX told me he didn't contact the card company because he was too busy and he would contact them to unlock the card when he is free, we put this unpleasant experience.A few days ago the merchant contacted me and said they had misunderstood me due to some carelessness, they actually received my compensation, so they invited me to continue trading with them and welcomed me to buy again, but my PayPal account was permanently limited. and I couldn't continue shopping because of a small misunderstanding. I can not continue to shopping, I was so unlucky, but I can not understand they unilaterally permanently limited my account. this decision and punish is too harsh for me, yes! I consider it a punishment because it has negativel affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open a Promo High-Yield 12-Month CD with XXXX, but they denied my applications and said, " we were unable to verify your identification during the application process. '' I called customer service, but they were unable to explain what identification I needed, what had failed, and whether there were alternative ways to verify my identity. I explained that I could send copies of whatever they needed, such as my drivers license and passport.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had my debit card compromised several times this year, I have recently filed two disputes and had my card closed due to two transactions from XXXX. 

The first one for XXXX was taken care of by Huntington they provided provisional credit and sent me paper work to fill out. 

The second transaction is for XXXX on XXXX. I have not received any information from Huntington regarding this dispute or any provisional credit. 
I have called twice today both times I was transferred and put on hold, both times the calls are dropped and disconnected, in the middle of the conversation with the disputes representative. 

I need provisional credit for this XXXX I work two jobs and live check to check I did not do this transaction When I finally got someone on the phone they said it was pending investigation because the transaction had not posted, Which is untrue and a lie.. when I called to dispute the transaction it was already posted to my account in the history. So why is the dispute department sitting on this? I want this credit perm placed back into my account. I did not authorize this transaction

Company response to consumer: Closed with explanation