BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
File a fraudulent dispute on XXXX XXXX, name of transaction : Debit Purchase XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$300.00}, Fraude Dispute amount : {$300.00}, reason- unauthorized and have been having this issue with you all for months without resolution, this is a Debit purchase. I was told falsely by multiple agents that they have filed the fraud claim but that was a lie. I would like my funds back via check as this was unauthorized and you all closed my account without explanation. I have provided all information you all asked of as well as filed police report and still having issues with this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I would like to be able to scan in documents regarding this situation. 
TD Bank does promotions but they do not carry them out, in my opinion that is fraud on the consumer. They take your money and then they use it but do not do what they said in their promotion. I have sent a letter to the CEO of TD Bank in the US on XX/XX/XXXXplenty of time to get back to me. 
On XX/XX/XXXX, I walked into a TD Bank because of a promotion TD Bank was promoting. Deposit money in a new account and in 90-120 days we will add {$300.00} to your account. That has not happened. The person who opened the account was a vice-presient by the name of XXXX XXXX certainly she should have known what she was doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: SANTANDER HOLDINGS USA, INC.
State: NH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a personal loan with santander bank and I had stopped the automatic payments on this loan in XX/XX/2023 because I am going through a financial crisis and I am working with a company that is helping me with my debt. On XX/XX/2023 the Santander loan department took {$510.00} from my checking account without authorization and ignoring the stop automatic payment that I had for this loan. I called Santander bank to request a refund and they declined it saying that is their right to take money from my account even though I had stopped the automatic payments.

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 2023-05-05
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX I had a charge from XXXX  for XXXX that was supposed to be refunded. Unfortunately it was never refunded. I provided evidence that it was supposed to be refunded via an email from XXXX. I opened a dispute in XXXX proceeded to prove via email and also provided the transaction ID and tracing information. The dispute was ruled in favor of build. 

An additional purchase was made with build for XXXX for a dishwasher in early XXXX, a dishwasher. This was delivered but defective/damaged and returned during the delivery. XXXX stated it was not returned. No additional evidence could be provided, but again was ruled as a valid transaction via discovers dispute process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was scammed on XXXX reported it to Navy Federal Credit Union . They returned the cash advances from my Credit Card that are issued by them. On XX/XX/2023, Navy Federal took {$1900.00} dollars from my VA XXXX check to pay to the scammers who also scammed money through my XXXX and XXXX XXXX accounts without my permission. I know that by law Chapter III if the Federal Code that the can not take my protected income that I pay my mortgage and car note with or money that I need to live off of. They have still not given any explanation as to how they are going to pay scammers with my protected income! Im asking that you make them return it so that I will be able to pay my bills!

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 2023-01-20
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-03
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : Response to CFPB Complaint ( Complaint # XXXX ) I am writing in response to your reply to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), referenced above. In your correspondence, you stated that It is TSIs intent not to have any communication with me in reference to the above account. Moreover, you provided contact information for XXXX XXXX XXXX for any further questions regarding my account. I must bring to your attention that despite your intent, communication regarding this alleged debt has not ceased. 

Furthermore, I have made several attempts to reach XXXX XXXX at the number provided ( XXXX ) XXXX, leaving messages with the intent of discussing the matter. To this date, I have not received a response. 

It appears that Transworld Systems Inc. is in clear violation of the Fair Debt Collection Practices Act, specifically 15 USC 1692g ( b ). According to this law, TSI has failed to : 1. Provide proper verification of the alleged debt. 
2. Provide judgment of the alleged debt.

3. Cease collection of the debt until TSI obtained verification/judgment and mailed such findings. 

Please be aware, the statement that was previously provided does not pertain to me, as it does not bear my name. This is a critical error on your part. 

In addition, I filed a dispute directly with XXXX regarding this alleged debt. On XX/XX/2023, XXXX responded to my dispute stating, The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. The account in question ( # XXXX ) was verified as belonging to me, with certain fields modified. This verification is perplexing, given that TSI has not complied with the necessary requirements to substantiate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: MD
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX... has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 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 2022-07-05
Company: Experian Information Solutions Inc.
State: NY
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:
I have tried for months now, via disputes with credit bureaus, emails to XXXX, and more... they have not only marked my payments as late for 8 of the months since there has been a moratorium on student loan payments, interest, and collections due to covid but also tacked interest on to the account! I'm already on the winning end of a class action suit against them for their failure to provide viable repayment options before this, but now, I'd love to start a new one over this. 

My credit score is PERFECT with the exception of the lies these people refuse to correct.

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 2023-11-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a saving account at Citizens Access on XX/XX/2023 in the amount of {$160000.00}. As requested online, I linked my checking account from other institution to newly opened account at Citizens Access. I authorized Citizens Access to fund the account by withdrawing funds from checking account held in other institution. Account was fully funded on XX/XX/2023. On XX/XX/2023, I requested to transfer funds back to the institution the money was withdrawn from. Later that day I was informed that my account was frozen and I can not withdraw money from it. Since the account got frozen, I called numerous times and spoke to different bank representatives including " managers '' but no one gave me a clear answer as to the reason the account got frozen. Finally, I got contacted by XXXX XXXX ( XXXX ) from the office of the chairman with instruction how to proceed. As directed by the Citizens Access ( I personally spoke to XXXX XXXX ), I contacted funding bank ( XXXX ) and asked to send an ACH reversal. Within one week of the request, my account at the funding bank was funded in the amount of original transfer of {$160000.00}. At this point I considered this issue closed. However, when I checked the balance on my account at Citizens access the funds were never withdrawn and it was still showing the full balance of {$160000.00} plus interest. I called numerous times Citizens Access to discuss this matter, but customer service representative and supervisor didn't provide any information except that the account is frozen, and it is under investigation and no further information is available. On XX/XX/2023 my account at XXXX shows a negative balance of {$160000.00} and I assume that Citizens Access didn't release funds. This money is the proceeds from the sale of my residence in New York that was sold, and I intended to purchase a condominium in Florida where I moved after the sale. Based on the action of Citizens Access, I almost defaulted on the purchase contract and was about to lose deposit given to the seller. My son-in law was able to lend me the money so the deal could close. When XXXX credited my account, I returned the money to him. Now I have an overdrawn account and indefinitely can not repay XXXX unless Citizens returns my funds including interest. I do not know when this investigation will end, its going on since XX/XX/2023. My original complaint was made in XXXX, and it is still not resolved. Funding bank was contacted, ACH reversal was sent but the issue still not resolved. It looks like XXXX credited my account with their own funds with the XXXX that ACH reversal will be honored. It looks like it wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello. I am a long-time XXXX XXXX XXXX  who is dealing with many mistakes from MOHELA that are preventing me from getting PSLF loan forgiveness. I have sent in all necessary paperwork, consolidated all loans, and recertified my qualifying employment each year for years. I have worked at this qualifying school since XXXX, and I have made more than the required 120 payments, so my loans should be forgiven. MOHELA has made mistakes and has delayed correcting them since my loans were transferred to them from XXXX. MOHELA and/or Federal Student Aid needs to remedy this mistake. My loans were marked as forgiven and closed, and then for no reason, they were reset to reflect only 10 qualifying payments. I should have been forgiven in XXXX. I ask that you please help remedy this situation as soon as possible. I want to continue to serve as a teacher, and I need this to be resolved for my own financial and personal well-being. Please let me know if there is anything else I can do on my end. Please help me remedy this situation so that I can move on with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Name is XXXX XXXX I reached out to the company called Merchants Credit Guide.I contacted them on XX/XX/ and requested them to send me a copy of the signed contract stating the debt I owe. On a recorded call they stated this is an attempt to collect a debt but could not furnish any information in regards to the debt. The amount in question is {$520.00} and this has been reporting on my credit report as of XXXX XXXX I have also disputed this item several times and it keeps coming back as account verified but no proof to show otherwise. 

I did not sign a contract with this collection agency and I would like this debt removed from my credit report immediately.I have sent them a cease and desist letter to the address on file as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Attached you will find proof of my current address and identity verification to validate that this is me and not a third party.Also you will find a copy of my report from XXXX and XXXX showing this debt and i noticed the account numbers are different as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
After my first complain in your website ref XXXX. I was called again to reopen my account and said over the phone I will not get interested charges and they will help me to set up an interests free with an affordable plan to pay my credit card off due to my current struggling financial situation. However they have again misled me. They have reopen the account, increase my monthly interest to XXXX dollors nearly and said we are sorry we cant make arrangements affordable plans for you and you will had to pay interest too. So again they misled me to no solution and now I found myself with a higher bill and higher interest. See interests since they reopen and transfer balance from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: Maximus Education, LLC dba Aidvantage
State: NY
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 have made 3 payments that were processed. I received emails confirming this. Payments were never deducted from bank account. Days after confirmation of payments received, the loan status appears as payments reversal the company claims I have not made payments and has charged me interest. And outstanding balance of the double of my payments appears on the account. Overdue payments appear in red. My total amount has increased.

I called my bank and the representative explained that there was never an attempt or claim from aidvantage to collect payments. 


I made two payments of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NC
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 have sent out certified letter and had a company send out letters XXXX times and, on each occasion, I have not received anything from either credit bureau to settle the situation. I have disputed negative accounts that are in collections and have not received word about any of the accounts nor have any of the accounts been deleted after multiple attempts.

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: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, I submitted a request to Mr Cooper to approve a sublet of my Co-Op XXXX XXXX of which Mr Cooper currently holds the mortgage ). I was told to email the request to XXXX. It took XXXX phone calls to customer service to find out I needed to provide several documents with the request. Mr Cooper has no information on their website regarding this type of request. I provided the documents on XX/XX/XXXX. 

On XX/XX/XXXX, more documents were required by the Research team, of which I provided on XX/XX/XXXX. It has been 31 days since my request for a simple letter of approval to sublet, and, I still do not have a resolution. I am in daily contact with their Customer Service department, as they do not have a phone number for the " Research Team. '' It's clear to me that their Customer Service department has no access or visibility on my request and their only update to me is that " the request is in process. '' An approval to sublet is a time-sensitive request, and should be treated as such by the mortgage lender. In this day and age of technology, I see no reason why a request from a mortgage holder in excellent standing should take more than 15 days. Additionally, Mr Cooper does not provide any transparency to the consumer on the process ( required documentation, timeline, expectations ). It's been 31 days and counting, and I still do not have a resolution from Mr Cooper on my request. 

Mr Cooper XXXX XXXX # XXXX

Company response to consumer: Closed with explanation