BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: Social Finance, Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Received an email notification on XX/XX/22 that my SoFi Money ( Checking ) account has been restricted. I have called 39 times and left voicemails on their designated fraud security hotline as well as email ALL departments and tag in social media to get attention. No one from SoFi has returned my call or provided any explanation why my account is restricted and not currently under review. My directed deposit from my employer was rejected and returned causing delays as well as attempts to withdrawal the remaining available balance to make a payment to my SoFi loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XX/XX/XXXX 2017 I submitted a form to switch from the IBR repayment plan to the REPAYE payment plan. It is now XX/XX/XXXX and my form still has not been processed. I have n't been able to make regular payments because I do n't know what my payment will be. I asked to be in forbearance until they processed the form, but it has been so long that now I am losing months towards my Public Service forgiveness. I get different answers every time I call, promises that the form is bring processed the next month, and then it is n't. I have been with FedLoan for a long time now, and every. single. time. I have to do something with them it is a nightmare and a headache. It is very, very stressful. Every year when I submit to have my payments counted towards Public Service Loan foregiveness they miscalculate my payments and I have to ask them to recalculate them, until they get it right. EVERY YEAR. I have friends who have the exact same problem. The mistakes they make regularly are criminal and nobody does anything about it. I have made a point to make smart decisions with my career and my money, and FedLoan makes it so, so hard to continue to do that. I 'm feeling really defeated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Prime Recovery LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Prime Recovery LLC, has text me several times. I have demanded verification of my consent for them to contact me via a reply to their text and it has been ignored. Prime Recovery has violated 15 U.S. code 1692c ( a ), I did not specifically give Prime Recovery LLC consent to contact me. Also the text were sent at an unusual time, their assumption of a convenient is incorrect for me. I do not have a debt with Prime Recovery LLC and will not tolerate their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/XXXX I called XXXX to file a dispute for multiple hard inquiries placed in my report without my consent. The agent told me that I am not allowed to dispute inquiries even if they are incorrect. These multiple inquiries were made without my consent by me applying for a mortgage online the companies have sent my information to multiple lenders that have pulled my credit report without my knowledge. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/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 2017-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
USAA SAVINGS BANK XXXX XXXX XXXX XXXX XXXX, TX XXXX I was rebuilding my credit and opened 3 credit cards XXXX, XXXX, XXXX ( was XXXX ) but they changed into a XXXX. XXXX {$5000.00} $ XXXX XXXX $ XXXX XXXX the cards did what they were supposed to do, I repaired my credit by having 100 % on time payments. I paid of the cards with the CD 's established to secure them. I thought USAA was really a XXXX XXXX XXXX ( I am a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Veteran ) As long as the cards were Maxed Out and I was making the minimum payment everything was great and I got great customer service. However ; my credit being repaired I have 8 unsecured cards, the secured.cards were no long need. I knew they were paying only .50 ( half a percent ) interest on my CD securing the cards, and they were loaning my money out for 11 -17 % to members of the CU. And I knew they were charging me 11-17 % on my purchases and more on cash advances ( 35 % ). BUT WHEN I PAID THE CARDS OFF! That is when I found out USAA did not love me and were not altruistic. The beginning of the TWILIGHT ZONE! That is where the problems started. 1. I asked for my refund on my XXXX to be deposited into my Checking Account, causing me to have to drive 180 miles round trip to pick up a {$110.00} check. 2. I asked for my refund on my USAA Secured XXXX to be deposited into my Checking Account, causing me to have to drive to collect {$24.00} XXXX. I asked fo rmy refund on my other USAA Secured XXXX to be deposited into my Checking Account and they so far have refused to refund {$550.00} to date. Giving me many excuses why they can not release my REFUND???? THEY ARE RETALIATING AGAINST ME FOR ASKING FOR MY OWN MONEY! signed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
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: Account status incorrect

Complaint:
On XX/XX/XXXX I called Transunion to file a dispute for multiple hard inquiries placed in my report without my consent. The agent told me that I am not allowed to dispute inquiries even if they are incorrect. These multiple inquiries were made without my consent by me applying for a mortgage online the companies have sent my information to multiple lenders that have pulled my credit report without my knowledge. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/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 2022-01-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 my wife 's debit card associated with our joint checking account at Wells Fargo was physically stolen and used to make four fraudulent purchases at XXXX XXXX - 3 for {$280.00} and one for {$250.00}, totaling {$1100.00}. We alerted Wells Fargo to the fraud on XX/XX/21 as soon as we became aware of it. Wells Fargo initially reviewed the transactions and agreed that it was fraud and credited our account back under their Zero Liability fraud policy. In a letter dated XX/XX/21 they then informed us that they were clawing the stolen funds back as they had determined it wasn't fraud even though their own anti-fraud system activated and declined two additional attempted fraudulent transactions at XXXX on XX/XX/21 in the amounts of {$410.00} and {$290.00}. Worth mentioning that my wife 's PIN was not entered on any of the above transactions. Wells Fargo has given multiple illogical reasons for denying the claim and they are in order as follows : 1 ) Their rep incorrectly identified our last valid transaction ( in which she used her PIN ) as a XXXX transaction for {$60.00} earlier in the day, when the last valid transaction was one shortly after it for {$210.00} ( also using her PIN ). Neither of these amounts were included in the fraud claim.

2 ) The chip security chip was used during the transactions < -- yes, because her card was physically stolen and used at a nearby location as indicated from the very beginning 3 ) The transactions were in our geographic area < -- see number 2 4 ) No additional fraud attempts were made after we alerted Wells Fargo to the fraud and they cancelled the card. < -- Wells Fargo 's own internal transaction report that we requested ( attached ) disputes this as it shows an attempted fraudulent charge on XX/XX/21 for {$570.00} after the card had been deactivated.

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 2018-01-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a big customer at Chase, with all of my personal and business accounts at Chase. 

For some reason, one day I logged in and they said that they are shutting me down with NO EXPLANATION WHATSOEVER!! 

I attempted to get this straightened out with Chase, but all they said was that its closed and thats that. 

I know of a few people who this happened to, all within the past two months and all for no reason at all. 

I am very frustrated with Chase. 


Please help!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I opened an account with Citibank and received the card on XXXX XXXX, XXXX ; however, it had the incorrect last name. When I called to get it corrected the representatives asked me for my security word, which I gave them what I remembered. They said it was incorrect, when I asked them to provide other verification questions they kept asking me if I have another Citi account, which I do not. The ONLY account I've ever had was with my ex-husband. We've been divorced for six years and I have not used or had access to it since XXXX. They went on to try to verify me through text message ; however, they said they couldn't text me because they couldn't verify that my phone number XXXX is owned by me. I gave them the alternate mobile number that I use for work purposes ( also owned by me ) and they couldn't use that either. Then they requested a landline. I don't know anyone under the age of 65 that still has a landline phone number. 

Finally, they said they'll send me a letter in the mail in 5-7 days. I travel frequently for work and will likely not be home to receive the letter- to which the most recent rep suggested that I should have someone open my mail and read it to me such as a neighbor. I was also told I can not go into a physical Citibank branch with my IDs to rectify the error. 

It has been over three weeks since I was told Id receive a letter in the mail with a code to verify my identity and I have not received anything. I can verify this with the USPS daily emails of mail to be delivered. Furthermore, I have emailed the executive customer service e team every day with no resolution. I used the temp card and because I cant log into the system I have no way to pay the balance and the corporate office is of NO assistance.

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 2021-09-14
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: Old information reappears or never goes away

Complaint:
I submitted a letter including a signed settlement and release of claims to get an account that was agreed upon by the US COURTS to remove with payment of this account. Ive requested this 3 times and there has been no investigation, no communication. Please see attached documents.

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 2018-01-06
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 information incorrect

Complaint:
Experian continues to report an account that is erroneous from a company who has not to verified or provided any documentation for an account I have no knowledge about. Despite numerous requests to creditor and credit agency. Neither has complied to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
I sent a dispute letter out to the 3 credit reporting agencies on XX/XX/XXXX to have Barclays Bank Delaware removed off of credit reports. Account was open XX/XX/XXXX and shows closed on XX/XX/XXXX and charge off XX/XX/XXXX. extremely confused as to why this is still on credit report and reporting company has so many inaccuracies on my credit reports each month.

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 2020-11-25
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Westlake Financial is reporting a repossession on my credit report. I was never properly notified that my car was at risk of repossession. They never served or attempted to contact me. They used this strategy as punishment because I asked them to cease and desist from calling me every day when I'm just one day late. Prior to this, I had long term history-making payments to them and therefore was surprised when I walked outside to discover my car was gone without any notification. As a result, I had to pay to redeem my vehicle and additional fees. I've tried contacting them to correct this to no avail. Their practices were unfair, unscrupulous and they violated my rights by failing to notify me. These kinds of acts should be stopped.

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 2018-01-09
Company: Experian Information Solutions Inc.
State: NC
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:
Still reporting wrong that I still owes XXXX account 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 2018-01-06
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have repeatedly received phone calls from this company to the point I had to change my number. During one phone call I was threatened to be sued and lose everything I own over a little debt that is NOT my debt! I have never received anything to validate this debt from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank, XXXX, XXXX Michigan is unresponsive [ and incompetent ] to all requests sent by me : by telephone [ ( XXXX ) XXXX ] - failed to reply ; emails [ XXXX ] - failed to reply ; XXXX letters, failed to reply beginning XX/XX/XXXXand continuing thru to today,XX/XX/XXXX when they closed my case inquiry : number XXXX saying it was " resolved ''. It was not and is not. My requests centered on failure to timely pay my escrowed money for my XXXX taxes ; account for where my escrowed money was sent ; selection of XXXX as a servicing agent without my consent or approval and overall failures of Flagstar to provide any service on any level to any of my questions or requests. I believe they have breached their fiduciary duty to me in the handling of my escrow. I believe my escrow is my money and have acted only for their convenience and generally not on my behalf. I believe Flagstar 's actions are negligent, intentional and devoted to defeating consumer complaints. Flagstar 's customer service is misguided, uninformed, lacks competency, provides wrong answers and is designed to provide as little interaction with the consumer as possible. When letters and emails are sent Flagstar 's uniform practice is to ignore the inquiry & content and not reply.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and Experian XXXX XXXX XXXX XXXX, TX XXXX filed on XX/XX/2022 I filed a dispute regarding the incorrect items on my credit report, and it has been well over 30 days, and I have not received any investigation results.

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Transunion did not provide evidence. CFPB step up and delete XXXX XXXX ( ORIG CREDITOR : 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 2018-01-06
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello! 
This was a cell phone debt for someone that was shared. I brought this up with XXXX back when I lost contact with the individual. Its been awhile, dating back to XXXX XXXX. I thought the matter was solved. I was offered to an amount to pay for my charges and that amount was paid at XXXX of their stores in the XXXX, New York. That amount was over {$300.00}. My credit report is reflecting an amount of {$1400.00}!! The company that purchased the account from XXXX is 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 2022-01-18
Company: Specified Credit Association, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company for the last two months has called me repeatedly while I was asleep numerous times as well as calling me and being greeted with my phone automated filter services where is EXPLICITLY tells them to leave a message and that I would receive it, to which they have not done, I have asked them to stop calling me.

Company response to consumer: Closed with explanation