BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-21
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX of 2014, I got a car loan from Westlake Financial. I agreed to a payment of {$350.00} per month. Every time I have made I was charge {$5.00} dollar processing fee. I did n't agree to the {$5.00} charge and it adds up over XXXX payment to {$180.00} more in payment on the loan. I am a XXXX vet on a limited income so this {$5.00} per month is an unplanned expense. Can these loan companies take {$5.00} from every customer? This would add up to a lot of profit on cost that was n't on the loans they give out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was told by XXXX XXXX XXXX that i would only have XXXX semester of loan debit. After i graduated i found out that i have XXXX outstanding loans. That went from {$800.00} to {$1300.00} now has become {$22000.00}. I have repeatedly and yearly sent in paperwork to request monthly repayment to Navient based on my income. They take months to respond if they even respond. Then there excuse is that i filled out wrong form, but the forms i filled out are on their website under loan repayment. Below is the path on their website to fill out the forms for the Income-Driven Repayment Plans. The problem is that when you fill out the forms on the site provided " studentloans.gov '' i was informed - '' oh that is not the right forms ''. I advised them MANY! times that their website directs you to this site. I have filled out the " correct '' forms and still they do not change the monthly repayment amount, or if they do its only for a couple months then mysteriously it it changed to a much higher amount then the amount i agreed to. I am in the process of getting this issue fixed again. I was told in XXXX that they changed my repayment amount but in XXXX they doubled it again. This just keeps happening. The same thing happened when it was XXXX. Income-Driven Repayment Plans Federal loans have a variety of repayment options that can lower your monthly payment amount and give you more time to repay your loans. With Income-Driven Repayment ( IDR ) plans, certain eligibility conditions apply and an annual renewal is required so be sure to find out how these plans work. Learn about Plans Based on Your Income -To continue with IDR, you can renew online at StudentLoans.gov or request a paper Income-Driven Repayment Plan Request from your loan servicer. Renew online at StudentLoans.gov Renew Using the Income-Driven Repayment Plan Request Form Learn more about repayment plans based on your income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
NAME OF THE COMPANY : VANILLA GIFT I was gifted a Vanilla Gift Visa Prepaid Card with 400 dollars ( attached as proof of evidence ) by my aunt as a gift for my wedding in XXXX, the date of the event was XX/XX/XXXX and the card was given to me the next day. I did not open the card because I knew that it was only valid in the U.S and I waited until I was in the country. 

A few months past until I finally arrived to the U.S, the specific date was Saturday, XX/XX/XXXX ( Attached the flight tickets as proof of evidence ). After 6 days of my arrival, I opened the gift card and tried to use it at a local XXXX XXXX, this was specically on XX/XX/XXXX. To my surprise, the gift card said insuficient funds ; I was shocked since the card was not even opened until that moment and decided to check the current balance of the gift card in the VanillaGift.com  website and after I logged in with the card information, noticed that there were already four transactions covering all the funds the gift card had available. 

This transactions are the following : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX - XXXX + {$400.00} ( the amount that my aunt added to the gift card ) XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XXXX - {$210.00} ( first unknown purchase, I was in XXXX at the time of it ) XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$37.00} ( still in XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$90.00} ( still in XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( card without funds with this purchase and I'm still in XXXX ) All this transactions are in the registered in the balance of the card. 

I immediately called the number in the back of the card, the number is the following : XXXX and dialed the numbers in the automated voice machine to speak with a customer service representative but it would leave me on hold saying that they were experimenting long waiting times. After a few minutes, the call would just drop and no answer was given. I told my aunt about the problem and she tried to call as well but no answer as expected. Been trying to contact the customer service since then, but they never pick up the phone call. 

It was impossible to active the card before because we did not even open the card and a NIP was not setted. It is frustrating that it just took a month for the security of the card to be compromised and now the customer service would not even face the complain or say anything because we are not even able to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have sent multiple dispute letters to the credit bureaus in regards to inaccurate reporting on my credit report. There are inquires reporting that I did not authorize and the credit bureaus have not removed this inaccurate information. There are multiple accounts reporting late and I have never been late on any of my accounts. Incorrect balance reporting. Inconsistency. Due to these inaccurate information, my credit score is impacted in a negative manner.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: PA
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:
N accordance with the fair Credit reporting act XXXX  account # XXXX, has violated my rights 15 u.s.c. 1681section 602 A. States that I have the right to privacy. 15 u.s.c. Section 604 A section 2 It also states a consumer reporting agency Can not furnish A account without my written instructions XXXX XXXX, us department of education

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 2021-10-03
Company: TRUIST FINANCIAL CORPORATION
State: TN
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:
There was an inquiry placed on my credit report on XX/XX/2021 by Regional Acceptance Corp. that I did not authorize. I have asked them to remove the inquiry and they refuse to do so. I asked them if they had any documentation showing my signature or anything of that nature. I didn't receive a clear response on that. If they don't have documentation showing I signed something or requesting something from them then I expect them to remove it. I don't want to go to more drastic measures and report them to the 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 2022-12-15
Company: BlockFi Inc
State: FL
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:
Dear Sirs, We are all well aware of the ramifications of the suspension of accounts at Block Fi both investing and credit accounts. As a result, I find that Block Fi and its partners are in violation of the agreement between parties and as such all contracts or obligations are null and void. Block-Fi is in XXXX XXXX Bankruptcy as such I am a creditor looking for the recovery of assets same as all other creditors. 

No access to money in Block-Fi account No access to the use of Block-Fi Credit card No payments of XXXX credits or Interest due from Block-fi card transactions. 
No way to trade buy or sell on my accounts Are all failures of Block-Fi and its partners to keep up their end of the agreements My money is in Block-Fi accounts and when I have access to that money I will pay the Block-Fi card. However, I offer these options in a fast and reasonable solution to the situation. 

1.You can recover the balance from my Block-Fi account in house XXXX XXXX XXXX XXXX on the dollar for the balance owed in full.

I have filed a copy of this e-mail plus a full complaint with the Federal Trade commission, The Federal consumer protection agency, the three credit Agencies and other state and Federal agencies. 

I am also informing you in writing that XXXX XXXX and Federal regulations Myself, my family are not to be contacted, harassed, or solicited in any way other than communication by E-mail in reference to a settlement of the account by either of the above solutions. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have purchased bitcoins through Coinbase.com. On XX/XX/2021 I submitted an request for {$500.00} to be deposited to my bank account. 
I received an email that my account was blocked because of suspicious activity. I filed a complaint through XXXX and they were unsuccessful in getting a reply from Coinbase I have had five Customer Service phone calls which led me in circles. 
I have sent emails, I have sent copies of my driver 's license and photo to them at least 3 times. 
Nothing. 
Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: NV
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:
These accounts are not mine. Please remove them.

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 2022-01-27
Company: EQUIFAX, INC.
State: MA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CITIBANK, N.A.
State: NY
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:
Dear Sir/Madam, Attached, please find the letter I sent to Citibank on XX/XX/2021, requesting for them to reimburse me for the loss of XXXX XXXX ( {$2500.00} ) in funds that were withdrawn from my savings/checking account without my authorization. 

Today as I write this letter, it is over two months ( 2 months ) since the funds were removed from my account and over one month ( 1-month ) since I requested to obtain all copies of the information used in their investigation. I am entitled to receive this information by law. Attached, please find a screenshot of half a page of a XXXX Investigation Commentary, which I will abbreviate as ( XXXX ). I also contacted XXXX and informed them of the fraudulent activity on my account. 

In reviewing this XXXX, it appears to me that : Citibank did not conduct a thorough investigation based on the half-page XXXX document that was provided. Indeed a thorough investigation would include things like other disputed transactions involving Citibank customers, XXXX, and the name of the " receiving bank. '' I am asking that Citibank look into that connection. 


Despite apparent authorization ( as they contend ), the transactions are unusual and out of character for my account, which has been at Citibank for thirty-nine ( 39 ) years. Therefore these transactions should have been flagged by Citibank as suspicious. 

Citibank does not identify the receiving bank. Why? This lack of disclosure indicates to me some bad faith effort on their part. 

If Citibank has records of multiple disputed transactions with other customers involving the receiving bank, they should have known there was a pattern of fraudulent transactions with that bank. 

Citibank has a fiduciary duty to protect its customers from fraudulent transactions. If they have pre-existing knowledge of problems with transfers to this existing bank, this will make them liable for failing to take steps to protect me and prevent this fraud. 

When I filed my claim with Citibank on XX/XX/2021, I also submitted a police report. Citibank states that they stand ready to provide full cooperation to law enforcement officials in any pending investigation. If this statement is sincere, they should be willing to give a list of all disputed transactions involving the receiving bank. 

I want to reiterate that Citibank states they are sensitive to my situation. If they are sensitive to my victimization, they should treat me as a valued customer and share all information gathered in their investigation. Failure to provide all information indicates that Citibank simply and arbitrarily is denying my claim for a refund. Meanwhile, their unwillingness to do so continues to inflict on me significant financial hardship and tremendous stress.

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 2020-01-08
Company: ProCollect, Inc.
State: MS
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 from this company for a unknown debt thats on my account but they never sent me proof that i signed anything thats saying i owe them. they sent me a account that has my name and address on it with a bill but this could be anybody debt and i know its an invalid debt but they are keeping it on my account but i requested Validation from the company asking them to show me what the money you say I owe is for : Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service I want more than just a bill in the mail. i will take legal actions because this is a violation of the FCRA, Fair Debt Collection Practices Act, and Defamation of Character because its not validation.

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M HAVING A DIFFICULT TIME GETTING THE CREDIT BUREAUS TO REMOVE THE FRAUD ALERT ON MY CREDIT REPORT.

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 2017-07-21
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
So Navy Federal takes every penny that goes into my account out automatically to pay for a credit card I 'm behind on. If I put {$5.00} in my account, the next day it 's subtracted with a message saying " Tranferred to Credit Card ''. They are saying this practice is legal and they do n't have to give me my money back. I was wondering if this is the case? If so that 's fine and I 'll just open another bank account elsewhere. I just found it strange that a bank can continuously take funds out of your account for a past due card without your authorization. I 've been forced to open an account with XXXX XXXX because Navy Fed was completely cleaning out my account everyday without my permission. This just does n't seem right and they refuse to give me back anything. Please advise, thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have {$570.00} on my PayPal account and they would not let me access my funds not only that but now they close my account with no explanation and will not let me access the money I desperately need for $ 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: WA
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 number XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, 15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A subsection2 also states that a consumer reporting agency can not furnish an account without my written instruction.

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 2019-11-22
Company: JPMORGAN CHASE & CO.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hacked family member XXXX  account, government grant scam, suggests you can get money from a grant, refers you to some fake XXXX  person, they ask for some details then ask for money, the more money you give them, the more money your " grant '' is. 

Chase was not interested in resolving the issue or prosecuting the bank account holder : The final details, including the bank routing number : This is our cashier information you are going to make the payment to through Chase Bank Bank Name : XXXX XXXX  XXXX  Routine Number : XXXX Acct Number : XXXX You are going to get a Cashier check and make the deposit into Chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Someone called saying I have accounts open that large sums of money were being transferred out of the country. I didnt believe So I went on XXXX XXXX and couldnt access because it said answers were wrong. It asked about a mortgage loan and car loan that I have in states I lived but never had. Also addresses Ive never lived and bank accounts I never opened. My wallet was stolen in XXXX tax once and I was robbed in West Virginia and Ohio and I kept everything in my wallet, like social security card, birth certificate, and I.d with bank cards. Someone is opening things in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I contacted the bureaus regarding the inaccurate reporting of some accounts, one of which included an account from XXXX XXXX with an alleged owed amount of {$260.00}. A letter was sent to XXXX and Equifax using the METRO 2 Compliance Standards challenging the reporting of this account as XXXX had already removed it. I received their " debt of Validation '' showing how the account was verified as " valid '' however, I noticed that they were reporting 2 different service addresses with no unit number. I sent a letter to them on XX/XX/2022 in regard to the discrepancy and received a collection letter from XXXX on XX/XX/2022 in regard to the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts are not mine. Please remove them.

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