BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX - I made multiple calls to XXXX XXXX XXXX to ask to be provided the date the account went delinquent and dates and amounts of payment received on the account. They refuse to provide me this and send me back to the provider ( Iowa Student Loan ) They took legal action on a loan that was taken out in XXXX, 19 years about - well past the 10 years allowed on a promissory note. 

XX/XX/XXXX - I called Aspire ( Iowa Student Loan ) requesting a print out of the account that details the payments made and dates, they refused to provide me this information. I asked for the date that the account went delinquent, again they refused to provide me this information. They sent me back to XXXX XXXX and XXXX for answers. 

It is ILLEGAL to take action on time barred debt, which both companies are doing and neither will provide me the documentation I am legal owed.

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 2018-02-10
Company: Lendmark Financial Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
LENDMARK FINANCIAL they won't send a statement for over 2 years now I don't know what they are doing to my account how much is being applied to balance how much interest I'm paying. I look online at complaints for this company and see they are tacking on fees so that the loan can never be paid off. how is this company still allowed to exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Paypal Holdings, Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal I was in XXXX  for 4 months and my PayPal business debit card was stolen and used to pull money from my checking account and to top it off the theves put my PayPal account in negative of XXXX or so dollars PayPal is refusing to take care of this fraud due to it being over 180 days they say I have to pay that back I don't owe it to them. And they won't investigate or refund what was stolen from my bank account. I just got out of XXXX  I couldn't do anything tell now. This happened XX/XX/XXXX to end of XXXX I have emails of all the transactions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22
Company: BARCLAYS BANK DELAWARE
State: OH
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:
On or about XX/XX/XXXX, I called Barclays, my credit card company, to report a pending purchase for {$390.00} at XXXX that I did not make. They cancelled my credit card and sent me a new one. I heard nothing more until my statement closed on XX/XX/XXXX and the charge was shown as a transaction included on my statement. I called Barclays and they said they determined the charge was a valid charge. I explained again that I didn't make that purchase and was in possession of my credit card the entire time. Barclays suggested that I call XXXX. I called XXXX to report the fraudulent charge on XX/XX/XXXX. Per XXXX, XXXX XXXX is the fraudster and a hockey table was the item purchased on-line, delivered to an address in the state of Ohio, full address not provided. I filed a police report on XX/XX/XXXX. I called both Barclays and XXXX to report the filing of the police report. XXXX took the information without a problem. Barclays only accepts faxes and postal mail as per their protocol. I faxed the police report to Barclays on XX/XX/XXXX from XXXX, incurring a charge of {$4.00}. 

Between XX/XX/XXXX and XX/XX/XXXX, I have called Barclays and XXXX several times. No one can tell me if XXXX and Barclays are working together to resolve this. I have no idea what is going on as I am constantly told it takes time. It has been over 7 weeks and I still have no resolution. I have been victimized by the person making the fraudulent purchase and daily by XXXX and Barclays as this has taken an enormous amount of time to try to resolve and additional money for the fax services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: Carma Enterprises Inc
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 a charge for {$43.00} for XXXX XXXX XXXX was deducted from my account. 
XXXX noted as : other. In XXXX XXXX Nevada. I'm not sure how this happened, as I do not watch XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-11-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or about XXXX XXXX, XXXX, PayPal sent approx. {$29.00} to " XXXX XXXX XXXX '' that was supposed to give me " criminal records '' for a woman harassing my XXXX  father. They promised criminal records were found/available, but were unable to provide any, AFTER taking my money. I asked for a refund, provided proof of not only bait-and-switch but also false advertising. Yet PayPal refuses to give me my money back. 

PayPal again abused me when they refused to refund me {$50.00} charged by XXXX XXXX on or about XXXX XXXX, XXXX. This is despite me sending them proof that I had requested a cancelation of service approx. 48 hours before the automatic rebilling occured for a subsequent month of very sub-standard cell phone service. I did not use the services sold for such a high sum of money, either. 

In addition, that approx {$80.00} that should have been refunded to me long ago has caused me to skip meals as I can not afford groceries at this time and any response to paypal is met with " you can not email us at the address we emailed you from '' kind of XXXX XXXXXXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2018-12-23
Company: Navient Solutions, LLC.
State: IL
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:
My repayment amount is {$140.00} and some change. They changed my auto pay to match that amount. My income based repayment plan was supposed to start on XX/XX/XXXX instead of XX/XX/XXXX. They said my bill for XXXX was {$330.00} and some change. I am set up on auto payments. Why did they only take {$140.00} instead of the supposed amount due of {$330.00}?? This caused me to be late saying I owe them {$190.00}. I did not want to mess up my credit so I sucked it up and payed an additional {$190.00} on XX/XX/XXXX even though I am on income based repayment and could not afford the additional amount. I am extremely frustrated with how they handled this whole process. They messed up application several times for income based repayment plan and I think thats why my bill is so high forXX/XX/XXXX. I filled out my part correct. It was completely on them mishandling my form. I want answers. I want my {$190.00} back. And I want them to say I was never late on my payment. I pay all my bills on time and this was their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services L.P this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: MD
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX , XXXX Inquiry Date : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CITIBANK, N.A.
State: VT
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:
My Citi credit card information was fraudulently used to pay the US Treasury in the amount of {$10000.00} and a {$190.00} service fee on my Citi credit card. These charges originally posted on XX/XX/XXXX. When I first noticed them on the next billing cycle, I immediately reported them as fraud to Citi. I have never spent near this large amount of money on a credit card ever before, but was never contacted by Citi to notify me if such an large purchase or to approve such a large charge at the time it posted. 

I find it hard to believe that the US Treasury and Citi, my credit card company, can not connect the dots and figure out whose taxes were in fact, illegally paid using my credit card. Presumably, whoevers taxes were paid using my credit card is the guilty party. My wife and I paid our own personal taxes on XX/XX/XXXX using direct deposit from our XXXX XXXX checking account. 

I have no documentation of the illegal transactions on my Citi credit card account, as neither transaction was ever approved by me and no signature or approval process ever occurred to my knowing. I have no idea how the US Treasury received my credit card information, as I never willingly provided it to them and certainly never authorized a charge in either of these amounts. 

While disputing these charges, and in speaking with the Citi credit card fraud and billing disputes departments, there was speculation by the fraud department representatives as to how my credit card information may have been leaked, but I can not be certain of how this criminal obtained my credit card information, and again, I NEVER approved or consented to either of these charges. The dispute has gone on for over two months and I am now told that Citi will not be refunding me for these amounts, totaling {$10000.00}. 

I have contacted the US Treasury, and filed an Identity Theft Affidavit on XX/XX/XXXX, but the US Treasury representatives I spoke with stated they have no way to track these transactions, and recommended that I reach back out to my credit card companys fraud department. 

Furthermore, I am concerned as to why there was not a security alert or authorization request of me from citi regarding this large amount being charged to my credit card. I have never spent close to this amount of money with my citi account in the past and feel this should have raised red flags. 

I certainly have not authorized this payment and am desperate for help removing this fraudulent charge from might financial record. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank close my account sometimes between XXXX and XXXX. I never got the reason ( s ) why. I'm now wanting to be compensated for failing to contact me. I also wasn't able to have access to any account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet XXXX is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
So I had a XXXX retirement account and a consumer visa credit card and I had an extremely hard time paying my bill because of a hardship. I had quit my job was denied unemployment and still waiting to get approved for social security I neglected to pay my bill and the company would not work with me XXXX credit card my father that past away a year ago had said not to open any accounts with credit cards but I had a really hard time because the advertising was too good too be true I always loved free money when available but nothings free in this world u got ta pay for things and with my XXXX I was struggling to pay my card finally I got it paid in 2  months it was difficult and I closed my account when I spoke to them before I said could u waive the account and they wouldnt work with me Im XXXX  and Im very vulnerable to things so I see things differently than others I have a lot of challenges I have had in my life financially and it put me in a bad place I just thought XXXX would have helped me out and they chose not to I had to suffer and it was hard I had to pull out ot my Ira which I really find it frustrating they charge u to take out of your Ira makes it really hard I dont like to be the bad guy Im usually try and be respectful and responsible but my dad had died that month and it was difficult

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 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America - issue with closing and dispersement of funds from my late mother 's checking account which is named in a " trust '' but was created under her SS #. 

I am asking for a disbursement in the " Estate Of '' vs in the name of the trust.

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 2019-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet XXXX is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.

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 2023-12-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am attempting to obtain information about how to pay off the credit card. I have called, but since I no longer have the credit card, I can not bypass the prompt to verify who I am. The credit card is very old as well, so it should not be on my report. I am unable to speak with anyone at Chase ; thus I am unable to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Truist account about XXXX months ago after receiving promotional material about a {$400.00} bonus for opening a new checking account. I created the account online and somehow their system created XXXX accounts. They locked me out of the account and said it was because my identity couldn't be verified, but they had no problem verifying my linked XXXX checking account and taking my initial {$100.00} deposit. I could not access the account online. I tried multiple times to resolve it over the phone and was unable to. I had to visit the local branch and speak with the XXXX. They told me I had to come back the next day because there were invalid maintenance fees applied to the account so they needed to clear before I could close the account. I went back the next week and closed the account. I have since received multiple calls everyday saying that my account is overdrawn {$27.00} for maintenance fees. Apparently they never closed the duplicate account that was created when I first registered. I called Truist again yesterday and was told I needed to wait another XXXX hours minimum to close the account because they had to clear the invalid maintenance fees. I am now going to have to waste my time going back to the local branch yet again. This is absolutely unacceptable, especially the fact that my money was inaccessible for nearly XXXX months until this was resolved, and I was ineligible for the {$400.00} bonus since my account was locked and I could not setup the required direct deposit for my paycheck. This seems like false advertising or just really sneaky behavior to me and it is not the way a financial institution should be treating people or their money.

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 2023-04-01
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation