BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a checking account at Truist Bank located in XXXX XXXX XXXX MD. 
The bank is holding my money for a month now. We need this funds to pay for our staff in which my spouse is the manager of the company. Two checks were returned for insufficient funds due to Truist Bank holding my money. Truist Bank is playing games with us. My husband is now in trouble for not paying the salary of the employees. I went to the bank last week as I was upset of why they been holding the money. I spoke to the branch manager that I wanted to close my account but the bank refused to do it. I would like to file a complaint and ask to investigate why are they holding our funds. I request an immediate release and closing my account.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
It states that my dispute was verified and item removed from report. XXXX has you your current report and I go there and it's on there still

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 2023-09-22
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to reach Nelnet about changing my repayment plan from a XXXX XXXX Plan to a XXXX XXXX Plan. I have tried to call on two separate occasions. The first time I was on hold for over 30 minutes and no one answered the phone. I then tried to email the request through the request form on their website. I have not yet received a confirmation email that they have even received my email. I then spent over 1 hour on hold today and again no one answered the phone. I do not have time to take off work and wait for an unknown amount of time for someone to respond to a phone call, and I would have expected someone to even acknowledge they have received my request via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Paypal Holdings, Inc
State: FL
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/2021 i received an email from paypal informing me that my account was limited. Prior to, i had received a direct deposit from the state of floridas unemployment. Paypal informed me that my account was permanently limited and after 180 days they wpuld notify me and allow me to withdraw my funds which is XXXX usd. My 180 days were up on XX/XX/2021 and i have yet to receive an email advising me that my funds are released. I spoke with paypal all along the 180 day process several times and was not told anything different. I really need the limitation lifted long enough to withdraw my funds and close my account for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Spoke to XXXX XXXX XXXX a couple of times, beginning on XX/XX/XXXX, regarding the status of my student loan accounts with the Georgia Student Finance Commission. I asked him why are they being reported as delinquent when I am currently a graduate student at XXXX XXXX University, and the in-school status was made available to all of my student loan servicers. I knew this because I called the XXXX XXXX University Financial Aid office to confirm. I also wanted to know how the accounts went from being current in the month of XX/XX/XXXX and then sixty days late in XX/XX/XXXX, which is the status indicated on all of my credit profiles. Lastly, I wanted to know why are the accounts going through status changes when student loans were paused on the XXXX XXXX XXXX beginning on XX/XX/XXXX, and lasting until XX/XX/XXXX. 

I was advised to set up a payment arrangement and make six consecutive on-time payments of {$460.00} per month under their Rehabilitation Program and at the conclusion of those successful six payments they would place the accounts back in a current status. This company has an in-school deferment policy, that they refuse to follow, as well as the national presidential order that was made active under the COVID-19 Rescue Act. As a result, they have seriously diminished my credit standings with the credit bureaus and my revolving credit accounts.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2023-10-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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 explanation
Consumer complaint received 2020-11-06
Company: Paypal Holdings, Inc
State: MI
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:
I contacted Paypal, and they put me in touch with their Limitations department, where I spoke with XXXX. She looked into the PayPal Cash Card that was sent to me unsolicited and initated a three party call with The XXXX XXXX, that issued the card. XXXX at XXXX had my social security number and date of birth, which had been used to open the account, and which I had NOT provided to Paypal or XXXX at any time. The card had my maiden name only on it, not my married name. XXXX closed the account opened in my maiden name, and XXXX put a block in Paypal for future cards to be opened. She also sent me information on how to report the social security number fraud to the three credit bureaus and the Federal Trade Commission. There were not any transactions yet on the card, but now I want to make sure others are not opened in my name with my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is showing late. I requested a deferred payment on this account. The deferred payment history is showing late but I was greement the defer payment. I Am requesting the someone investigate this information thoroughly. If the deferred payment was green it there should not be a late payment all my account. I am requesting that this information be removed from my credit report. All 3 career reports is reflect in something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: General Motors Financial Company, Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
4 calls today XX/XX/2023 9 calls yesterday XX/XX/2023 14 calls over the weekend XXXX multiple weeks of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/23 I applied for auto payment to receive the 0.25 % interest rate reduction. 
I have 13 individual loans with Aidvantage. Only 1 of the loans had the auto payment request processed. 

I have reached out on multiple occasions ( on XX/XX/XXXX, XX/XX/XXXX ) via the inbox method and by phone call on XX/XX/XXXX to check on the status of my auto payment application and it has not been resolved. 
Loan interest is now accruing without the auto payment rate reduction almost for an entire month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: KY
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 am writing to dispute the following inquiries. It does not belong to me. I never lived in these addresses associated with these. I was contacted by a collection agency regarding the accounts that are associated with these fraudulent inquiries. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX Date of Inquiry XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
we were purchasing a bank owned home that needed work done. we were " sold '' a 203k loan by XXXX XXXX  out of XXXX, CT because this was our best option, with the promise that all receipts had to be collected and a HUD inspector was working in our best interest. XXXX XXXX   said it would hold our mortgage until the work was finished. Our loan was sold to freedom mortgage before the first payment was made. They never collected the subcontractor 's licenses/insurance information. {$140000.00} was paid out to the contractor ( XXXX XXXX    XXXX XXXX ) and the work is nowhere near completed. A subcontractor ( XXXX XXXX  XXXX XXXX, not a licensed plumber ) completed the plumbing work, and per a licensed plumber that came in confirmed everything needs to come out and be re-installed. everything they touched has to be redone correctly. we are now going through arbitration with the contractor, but I feel like the bank should have done a better job. I reached out to our HUD inspector multiple times and he never involved the bank. he advised me to just sign the checks so we didnt hold up the work. I am now paying a monthly mortgage on the full amount of the loan plus the additional money for the improvements. I have asked the bank if there was something we can do ( we were supposed to refinance after the work was completed, should have only taken 6 months ) we are going on 12 months. we can not afford this mortgage and I am trying to avoid foreclosure and ruining my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I requested a deferred payment on this account. I was granted a deferred payment. On the credit report it reflects a A late payment on this account. I have never been late on this account. I have asked this company to go back and find the original information that reflects the late payment. This account would have reflected a do a deferred payment. All I have requested was have the late payment removed from this account. Please research my request in it will reflect that the late payment is the different payment I requested. I have rose several of letters in contacted your company. Please removed from all the agencies.

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 2023-09-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have power of Attorney of my Sister XXXX XXXX she is paralyzed the bank verified everything before i deposited the checks in my account she signed over to me They closed my account after the checks cleared and said they would send my money cashiers check now they will not send it and said they have to verify my sister by phone listed in her name she has a number and account with XXXX XXXX XXXX and still they say no. I have to pay her mortgage and bills and on the verge of being put out, they refuse to see her in person at the bank so she can tell them that she did sign the checks to me. Please this is life and death i need to pay her bills

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: HYUNDAI CAPITAL AMERICA
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My auto loan ( Hyundai Finance # XXXX XXXX began on XX/XX/2017. Although my required monthly payment is {$360.00}, I have had {$400.00} set-up as my auto pay amount since the start of the loan. All payments have been made on-time. I recently discovered that my over-payments were not credited to the principal as I expected but rather were supposedly credited to " future payments '' ( despite my continuing to be billed every month and debited ). I will attach a recent statement and payment reminder.

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 2023-09-23
Company: WorldRemit Corp.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
WorldRemit claims my account was closed because I stated to them that I use WorldRemit for business transactions. That is simply untrue and unfair. 

WorldRemit 's reason for closing my account is incorrect. None of my words to WorldRemit stated that I use WorldRemit for business purposes and in fact, I have never used WorldRemit for business purposes. I also do not intend to use it for business purposes. I am being treated unfairly and WorldRemit 's position is invalid. 

I have only ever sent my WorldRemit transactions to family and friends. 
I never stated that my world remit transactions were business related. 
All of my statements to WorldRemit are also clearly submitted to the Consumer Financial Protection Bureau. And it is clear in all my statements that I never said I performed business transactions through WorldRemit. 

I ONLY said the following : -- I am a XXXX XXXX XXXX. My business is XXXX XXXX XXXX. The name of my business is " XXXX XXXX XXXX '' which is essentially my name. I earn my living and earn my income through my business. My household income " is '' from my business. Thus, I have no choice but to spend the income from my business for my living expenses and personal transactions. Thus, I use my income from my Business account to spend on all my expenses whether personal or business. Sometimes I also send funds to family or friends for large purchases or large expenses including weddings or large purchases such as property which is an asset. 

I made the statement above because WorldRemit questioned how I made my income. WorldRemit seems to be targeting business owners unfairly. WorldRemit is claiming that I can not use my income as a business owner to cater for my family 's expenses and personal transactions because I made my income from my business. This is an unfair practice by WorldRemit and is also not in accordance with any laws for a financial organisation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We were previously in financial crisis due to a bankruptcy with XXXX XXXX ( loan Number XXXX ) they sold our mortgage just as we started a loan modification process to SLS ( XXXX ) new loan number. 

SLS started the foreclosure process and than offered us a modification. We jumped on the opportunity to stay in our home, where we have remained for the last 18 years. 

We have jump thru every hoop with Specialized Loan Processing, even following up with phone calls that were recorded, telling us we are on track and the modification is a go. 

We sent in every payment and we were told to continue to send in the payments and we should expect the loan documents to complete the process of the loan modification and we would be on our way. 

Well, they did a bait and switch ... ..they sent our XXXX payment back to our home address and it had nothing to do with lack of payment. We have made every payment faithfully and sent the checks 2 day mail with tracking to make sure there were no problems. 

Now, we find ourselves helpless and no where to turn for this deviant behavior from a large corporation. They should not be allowed to lead on a consumer and than pull the carpet out. 

this is so offensive to a family that is trying to save our home

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 2024-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a fraudulent charge of {$5200.00} on XX/XX/23 - which I reported- XXXX XXXX XXXX fails to honor their {$0.00} fraud guarantee. Need to be credited for this charge ASAP.

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