BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took student loans in XXXX, XXXX, and XXXX to pay for my XXXX education at XXXX XXXX XXXX NY. All these loans were taken based on a " deferred '' payment arrangement starting in XX/XX/XXXX and onward. For my career enhancement, in XX/XX/XXXX, I left XXXX XXXX and registered in a foreign MD medical school that is not approved by my lender. Due to this, my lender has stopped giving me additional funds and also forced me to start the monthly instalments immediately instead of following the agreed " deferred '' plan. They are not appreciating that I am not asking for more funds and my outstanding loan relates to an eligible school XXXX XXXX XXXX XXXX and I have not drooped out of college and in fact pursuing a much higher professional education on a full time basis. My loan also had my aunty as a co-signer. Now my Dad is paying my monthly instalments but the lender has refused to replace my aunty with my Dad as co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have collections on my consumer report that are against the law. As determined by Congress, the credit reporting agencies are all violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, 15 U.S. Code 1681 ( a ) ( 4 ).

Due the willful and knowingly violation of the law, my rights as been violated getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and closed end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.

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 2023-07-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Oh boy, where do I begin. 

So to start this whole nightmare off, my account was frozen for literally no reason for over a week. I could not access my money at all. Transfers were not working and online it said my account was suspended. No suspicious activity or any reason why that would have to be done.

Then I spend OVER 3 HOURS on the phone with them being transferred between departments and gaslit by one employee saying there was nothing wrong with my account and there's nothing he could do. I push him to talk to someone else because I know he's lying to my face. Well, the next person I talked to says my account is suspended but doesn't know why but I can get transferred yet again. I was on hold for hours and then what do you know, the line magically dies! I also tried to reach out on XXXX to get a response and nothing. 

I was forced to file a CFPB complaint after it became clear I wasn't going to be able to get my money. Never in my wildest dreams did I think I would have to fight this hard and lose hours and hours of my life trying to wrestle my money back from a shady bank.

I was finally contacted by someone now that I filed a complaint. By then I had figured out I could get money out of my account by making a credit card payment. I looked in my account, saw I had MORE than one of my credit card bills and paid it. It worked and I thought this whole mess was over.

I was wrong.

I get a message from my credit card company saying the payment was ACH reversed and I'm being charged a fee because of it. Now hang on... I had the money so why would they do this?

I go into Citizens and they're now saying I have insufficient funds which is NOT TRUE. 

Even if it was, they would need to refund the money which they have reversed for no reason. It shows a credit of the amount refunded, but is not reflected in my balance. Flash back a week in the future and it's still not there. This is scary, but I figure it's a bug. If you've ever used this garbage app, you know they're quite common.

So I paid an even lower amount and it is ACH refunded again. I'll now be charged {$60.00} worth of fees and AM STILL MISSING OVER {$400.00}. 

Since then I've emailed the chairperson from my last complaint to absolutely no response. It's been over a week. I am livid to be blatantly robbed by a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
We initiated an International Wire Transfer on XX/XX/, but we needed to make a correction to the recipient 's name. In our response to the Secure Message within the XXXX portal, we were informed that it would be at least a week or more before someone could address our request. This extended delay is deeply problematic, as our funds are currently held up in the process, and we are left without any immediate assistance or response from XXXX in the interim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Upstart Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 I received a letter in the mail stating I owe a debt from XXXX XXXX XXXX XXXX XXXX stating they are a debt collector the debt is XXXX. In which I have never gave consent to authorize to have my personal information according to the GRAMM-LEACH-BILEY ACT 15 USC 6801 i have protection of non public personal information. According to this law this company is in violation of my consumer rights I am asking this debt be deleted and a cease and desist. 

I am asking this company get correspondence from credit bureaus to get this matter handled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My complaint is against VENMO, which is an online money transfer service. 

On or about XX/XX/2023, my sister sent me {$100.00} using VENMO. This money has been held up by VENMO as they allege that an email address *I no longer use* is associated with fraudulent activity. This old email address was in use and compromised when XXXX was hacked a year or so ago. 

I responded to VENMO using its online form and advised I no longer use the account in question and asked them to release my funds. They have refused to do so and continue to allege fraudulent activity connected with my *former* email account. 

I am XXXX XXXX XXXX and retired. I live on a modest income and need the money my sister sent to me to take my dog to the vet. 

I am asking for my money {$100.00} to be released for transfer to my bank account by VENMO. Neither my sister nor I can afford to lose {$100.00}. I will close my VENMO account once I receive the {$100.00} and transfer it to my bank. 

Thank you for your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went into XXXX car dealership in XXXX Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX and XXXX dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!

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 2023-05-03
Company: Experian Information Solutions Inc.
State: MN
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 XXXX, has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: NY
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:
Hello. On XX/XX/2020 I wrote a letter to Experian to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) of the fair credit reporting act.

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 2023-08-24
Company: Navient Solutions, LLC.
State: CA
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:
XXXX is running me around and around in loops, knowing full well that I have the supporting document needed to correct my Credit Report. NAVIENT, my student loan servicers issued me an In-school deferment effective XX/XX/XXXX through XX/XX/XXXX, as I am back in school. I sent the In-school deferent along with my account statement showing the correct loan and the deferment showing XX/XX/XXXX through XX/XX/XXXX. My XXXX Report currently shows I am 90 days for XX/XX/XXXX and 90 days late for XX/XX/XXXX, which absolutely decimated my credit score, which they refuse to correct even though they have the proper documentation and I submitted a proper dispute. I am being taken around the garden path and can get no assistance from XXXX. Please assist me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called my servicer ( Ameris Bank ) on XXXX separate occasions to inquire about tax penalties that were included in my escrow analysis. The first representative told me the penalties were due to not setting up an escrow account when the loan was established. From the attached document ( Opt in - Escrow - Loan Closing Disclosures ), it is evident that I opted into an escrow account and that the error was on Ameris Bank. She then explained that they would be advancing payments of {$440.00} for the next 12 months to cover the shortage beginning XX/XX/XXXX. She advised me to file a claim, as did the other XXXX representatives. They advised emailing " XXXX ''. I sent XXXX separate emails and have still yet to get an answer. Additionally, the escrow balance and escrow amount beginning XX/XX/XXXX does not reconcile. ( See columns XXXX and XXXX in the " Account history '' attached ). I still do not have an answer as to why the calculation is incorrect. It is clear that Ameris Bank did not pay XXXX XXXX on time and are now attempting to pass the late fees onto me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
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:
Yes, I have called this Past Sunday on XX/XX/2023. I have reported that my card was lost/stolen and I have also found 6 unauthorized transaction. As I reported which transaction they were. I was told to call back once the pending transaction gets posted to the account. As I was calling back like 3 days later. I was on the phone for about 2 hours due to the fact that each rep had hang up on me and I would have to constantly repeat myself!!

So i'm not sure if i'm getting help or what the deal is. I don't want to be responsible for these 6 unauthorized transaction and I'm not sure what the deal with the customer service department. I'm also tired and fed up about calling back all the time since you guys keep hanging up the phone on 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 2019-12-21
Company: Nelnet, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
US DEPT OF EDXXXX or XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) I have made the payments every month and each month I get a {$20.00} increase of interest " Balance Increased by {$22.00} '' Graduate PLUS Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Called XXXX XXXX  found online at XXXX on XX/XX/22 to inquire about a loan. Was transferred to Wilshire credit spoke with XXXX XXXX whom told me all they do Initially is a soft pull on XXXX. I gave him my partial ssn then stopped and asked him again and he reassured me only a soft pull would be done at this time. Well XXXX XXXX after giving him the rest of my ssn I checked my XXXX online and there was a hard inquiry from nocom/Wilshire credit XXXX I have repeatedly called them and they insist they only do soft pulls. I have contacted nowcom at XXXX I was told XXXX from compliance would get in contact with me XXXX and this has never happened. XXXX has removed this inquiry based on fraud but Wilshire credit is lying to consumers about doing soft pulls. On XXXX XXXX web site it says nothing about Wilshire credit and that its a tittle loan company. This is a scam they never have admitted it was a hard inquiry I even screen shot my credit report and showed them through email. Supposedly it was sent to upper management and the response was its only showing as a soft pull on are end I spoke with XXXX XXXX again he said he would call me back and that never happened. My application # was XXXX which was denied but thats ok I got a loan from a credit union with no issues. Wilshire credit is giving customers fake information probably just to generate loans to get more buisness. My phone # is XXXX for any questions you may have. I also have XXXX XXXX phone number which I can provide if needed. I spoke with a supervisor with Wilshire XXXX XXXX and he said pretty much said his hands are tied. Please reach out to me for any further information. Thank you 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 2023-07-27
Company: EQUIFAX, INC.
State: FL
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:
the reporting agency Equifax has been continuously disrespecting my rights and has no respect for the law, professional credit services which is another reporting agency has requested for this account to be delete since XX/XX/2023 because of my complaint with the cfpb complaint XXXX XXXX and XXXX as shown in the attachments and today is XX/XX/2023 and the account has still not yet been deleted the company had to follow up again on XX/XX/2023 because of my recent complaint again in this month of XXXX with the XXXX complaint and I have been getting this BLNK error for over 6 month and have not been able to access online credit freeze or lock while my family and friends can access theirs which is really unfair I just want to be treated like a rightful citizen of America and Equifax should compensate me for this distress or my lawyer will be reaching out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am XXXX XXXX XXXX XXXX of XXXX OF XXXX XXXX XXXX XXXX number XXXX. Our XXXX XXXX  XXXX XXXX XXXX non-profit XXXX have a Us bank business account number XXXX, Routing number XXXX with {$21000.00} Capital funds, and a hold on the Us bank account since XX/XX/2022 with out any authorization from the XXXX XXXX XXXXXXXX XXXX XXXX 's Board of Directors. Us bank 's unfair action, violate, the XXXX XXXX XXXX Business Practice Act protection laws, XXXX Deceptive Trade Practice Act protection laws, and the California Unfair Competitive Act Protection laws by holding XXXX XXXX XXXX XXXX XXXX 's XXXX, XXXX XXXX XXXX XXXX growth, and expansion in the United States Of America.

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 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I placed a security alert on my credit report to be contacted in case of someone applying for credit in my name. I have reached out to Transunion several times to dispute the inquiries and every time it came back validated. When I requested the method they used, no response was ever received. The following companies are in question : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX, MO XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Tx. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX These inquiries were not authorized by me and should have been validated by the credit bureaus.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Requesting written instructions and power of authority and/or power of attorney to destroy the credit score/history reputation without consent and without the due process of law. Please see the attached file for the complete explanation and for the remedy. 
( 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1692d ( 1 ), 15 USC 1681 ( a ) ( 1 ), 5th Amendment, 18 U.S. Code 242, and 18 U.S. Code 112 ).

You also violated 42 U.S. Code 408 ( 8 ), 42 U.S. Code 3617, 18 U.S. Code 1038, 18 USC 1342 ( for assuming the XXXX name is the living man ), and 18 U.S. Code 1962 [ RICO ] ( 1028 )

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 2022-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dates : XX/XX/2022 Amount : {$160.00} I contacted the bank immediately, specifically two hours after notice of fraudulent act. JP Morgan Chase claims that they can not cancel the transaction since it is is through XXXX, and the deposit has already been delivered.

Company response to consumer: Closed with explanation