BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I applied for a loan with Upstart, the request was not approved. It was required to create an account with Upstart to submit the application and since I was not getting a loan with Upstart I no longer needed an account with them. Upon my request to delete / close my account, I was told that my account was not able to be deleted at the time of my request to do so. I then asked when will I be able to delete / close my account, was then told that federal regulations prohibit Upstart from deleting / closing my account. I asked what federal regulation it is that prohibits the closure and was given their privacy policy instead. I asked again for the federal regulation they were abiding by and was then told that I already received a response to my inquiry and that Upstart considered the matter resolved and that there we be no further communication concerning my inquiry. I then called to ask what federal regulation they were following that prohibited them from deleting / closing my account and was told they aren't allowed to divulge thier practices. If there is a federal regulation that prohibits the deletion of my account, fine but if there is not, is it legal to maintain an account on someone against consent?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have signed up for Citi AAdvantage credit cards that promise American Airlines promotional bonus miles. Citi checked my credit and approved me for credit cards, I completed the spending requirements and the miles were deposited into my AAdvantage account. Before I could use these miles, American Airlines has closed my AAdvantage account claiming I violated their rules but not telling me what I did. Citi approved me for these credit cards and owes me the value of the promotional miles promised. Their partner, American Airlines, by confiscating my miles has made it so that neither of the companies is living up to their obligations.

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 2020-10-20
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am receiving Pandemic Unemployment from PA. PA is using US BANK RELIACARD Debit card to disperse the money. Everything was fine and for the past 2.5 months, they have frozen my money and will not release it to me. I need that money. I have complied and sent my ID in and they still will not unfreeze my account. It is virtually impossible to contact them by phone so I do so on twitter and they say to send the info via the app, which I have done.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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

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 2020-09-18
Company: COMMERCE BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
For the past few years, I pay my rent every month through the ebill and there has never been an issue. In XXXX, the lady I pay rent told me she never received XXXX, XXXX rent. I knew I sent it and saw it had not cleared, so I had another check sent to her. That overdrew my account twice due to my phone bill. So, I called Commerce bank. They told me that my landlord did cash the check, just late on XX/XX/20. My landlord checked her records and said that she was certain she never received the check. I called the bank again and they argued and finally transferred me to another lady, who compared my landlords signature against the endorsement on the XXXX check. They did not match. Im told it was endorsed by XXXX University. They sent my landlord a document to sign. Since then, i have to constantly contact them to find out what is happening. The last time I spoke with them, the woman told me that they know someone else endorsed the check but that I have to find the person in XXXX University and ask them to return my rent money. The bank has the routing number for the account. They dont have a copy of the check posted to my account and after all this time and repeated promises, I still dont even have a copy of a check for proof. Who would even give me money with nothing anyhow? Not to mention, I have serious side-effects from XXXX treatment and I dont have the strength to chase this down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had 2 credit cards with Chase Bank for the past 7+ years, of which I have never been late and often paid extra. I also have 2 checking accounts with Chase as well. I received a letter in the mail that my credit limit was being decreased. Due to too many inquiries on my account ( I am in the middle of purchasing a home ), and too many times not paying above what my minimum is due. Both of my credit card limits were decreased with Chase causing my credit score to drop 40 basis points. My credit score was in the XXXX range and is now below XXXX. I was in the process of a mortgage loan and was unable to obtain my mortgage due to this point decrease. 

I did contact Chase and asked them if there was anything they could do to help me. The gentleman I spoke with told me that in order to increase my credit limit back to where it was they would need to do a hard pull of my credit. This hard pull would once again lower my credit score even more. I explained to him that I have been a good loyal customer to Chase for the past 7 years, paying on time, etc.. As of this date, Chase has not offered any sort of recourse and my credit score still remains 40 basis points lower. There is no real explanation as to why my credit limits decreased, I have had credit cards for over 20 years and have never been treated like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$2900.00}

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 2023-03-23
Company: Block, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I charged a client {$650.00} total for my services. {$150.00} upfront and {$120.00} every two weeks unit we reach the total. The client got services then disputed with cash app. They refunded {$370.00} to the client. I have all the paperwork and messages between myself and the client. I was told by cash app that anyone can just dispute and ask for a refund and they would award it without any type of investigation. How can you refund money to someone that sent money to you 5 times but claiming that they didnt try to. I just want my refund. i have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I tried to dispute two fraudulent accounts reported on my Equifax credit report by a company called XXXX. Equifax denied my request to directly dispute these accounts with them. XXXX is fraudulently reporting payment activity to the accounts in an attempt to commit fraud and circumvent federal and state laws. Equifax is complacent in XXXX criminal activity. No payments have been made to these accounts ever! In XXXX I disputed them directly with XXXX   and they ignored me. Equifax is obligated under the law to allow me to dispute inaccuracies to my credit report and investigate my claims but is refusing to allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
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: Information belongs to someone else

Complaint:
all ftc violations reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  twice $ XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Sir/Mam, This letter is a follow up of the complaint i submitted last XXXX XXXX, 2017, with case # XXXX, against the Collection Company Mullooly, Jeffrey, Rooney & Flynn. 

One night around XXXX a man just knocked the front door so loud as you can feel the vibration of the wall and i was terrified as if there is a lunatic or drunk man outside of the house looking for a fight. I was stunned and shocked from my sofa as i was half-slept and tired just got home from work. When i go out to check a man in his XXXX or XXXX about XXXX XXXX male at first, introduced himself as a delivery guy and his looking for miss so and so, my mind was still in state of shock from this very loud knock from the door. When i ask him what is the delivery he cant answer me directly and it made me so confused and XXXX off for he woke me up for nothing. And then when i ask him why do you knock the door so hard, he begin intimidate me by introducing himself as a government employee and he is looking for a certain person in the house. everything is not clear he just showed up to intimidate and misrepresent everything by conflicting who he really is. And it happened again knock on the door so loud and it happened again and again from XX/XX/XXXX to XX/XX/XXXX. And also i received multiple phone calls from unknown callers to my workplace and it is embarrassing. Calls like every hour and sometime multiple calls in an hour, it depends on their mood to annoy people. 

please help me they already holding my {$5900.00} of my savings from XXXX XXXX XXXX, i know its illegal to take someones money for someones debt. I dont know these people, to whom i own the money and how much money i owe. Upon reading through the site of consumer protection bureau im a victim of phantom debt and usually the victims are small people like me who have no knowledge of the law. 
And also i called the XXXX XXXX they say the collectors is looking for like {$2900.00} but they take away more than what they looking for but XXXX XXXX give me unclear answers and more confusions. 

hope you had a very good XXXX. 

Thank you from the bottom of my heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: FL
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-20
Company: EQUIFAX, INC.
State: FL
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Greetings, I have previous filed a complaint against this company, Navient. I have explained to Navient employees on numerous occasions that I believe that this student loan was secured via unethical practices. Initially I grudgingly paid on the loan, as I was repeatedly threatened by Navient that if I stopped payments they would notify credit bureaus, and this would negatively impact my credit rating. At some point in this process I decided to advocate for what I thought was right. I advised Navient on numerous occasions that I had made a conscious decision to no longer make payments on this loan due to means used in securing this loan. Nonetheless, Navient continued to call me 6-7 times a day on my home and cellular telephone for months, finally I stated, " Please stop calling me so often ''. I utilized my cellular telephone for work, those calls were interfering with my work, they did stop calling my cellular telephone. Navient continued to call my home telephone number all through the day, night and weekends. Yesterday, I was advised by two family members outside of my home that Navient had contacted them looking for me. Navient has my home  telephone number, my cellular telephone number, my email address and my home address, there was no need to place a " skip trace '' as indicated by XXXX XXXX. As of today, Navient continues to utilize my home number, my email address and my home address to communicate with me ; XXXX called me on my cellular telephone today. I believe once again Navient was attempting to intimidate me and harass my family members. There has to be a solution here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Western Union is defrauding their response to this complaint. They claim that I am being defrauded even though I know I am not! Now I ask who knows better? ME or SOME COMPANY THAT HATES ME BECAUSE I AM A XXXX? Western Union wants me to prove that I work and that I have an income, where it came from, how much taxes I paid last year and so on. NOTHING is asked about the person or persons I am sending money too. NOT ONE THING! This is just more FRAUD on the part of Western Union so they can continue to be XXXX Haters. Not one question is asked about the people I am or have done business with. So how can Western Union possibly claim they are looking out for My Best Interest? They are not! Western Union is circumventing the law and need to be shut down. Just look at the states that have the highest complaints. How many are racially related? If in fact any of this is true, why hasn't Western Union called in the FBI, CIA, Homeland Security, Interpol, or any other State and or Federal Agency??? 
Very simply Western Union is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Sls or Specialized Loan Servicing is the Servicers of my Loan! Do to the global pandemic I was forced to take a 90 day forbearance which they further extended to another 90 days totaling 180 days! I was required to file an RMA for a repayment plan! On XX/XX/2020 I was denied any repayment plan because my loan was not within 90 days! I contacted the sls to inquire about the denial and no one could answer my questions or was rude telling me submit a letter in writing we cant give that information over the phone. We have required help in passed and SLS has always been helpful, now during the pandemic they are refusing to even help and denied me on 12 tier of assistance! We were affected by covid and income lose! No one foreseen the pandemic happening and now my mortgage servicer Isnt helping us at all!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have fraud protection with bank of America. I had two things they wrongfully denied. I had {$200.00} counterfeit merchandise I received from XXXX in XX/XX/XXXX and they refused to cover it and wanted me to send back the items even though it is a federal offense to mail counterfeit items through the mail. I then attempted to get return labels through the seller and was refused thand told to go through the bank since I filed a dispute. They still refused to cover it. 

I also had someone get a travel account with my debit card and email address and booked a room in FL. My card was fraudently charged {$180.00} and they also refused to cover that. This was in XX/XX/XXXX. 

After they took the charges back out of my account, i had numerous overdraft fees. This all caused my car ins to be cancelled. It 's caused me a mess and only from trying to protect my funds I work hard for. I lost almost 400 plus all the overdraft fees since I had to stop using my account. I do n't want this on my credit and I need the fraudulent charges put back in my account and all of the overdraft fees. I have also filed a complaint with fdic, ftd, and bbb. I need some help because they are refusing to help 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 explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Multiple deposits were made to an account that turned out to be fraudulent. Through Wells Fargo

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