BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX we found we were unable to make transactions in or out or our checking and savings accounts. 
We attempted to visit local Citibank branches in XXXX but found they were closed first due to the covid virus and then due to the protests and demonstrations that began across the country. 
We called Citibank XXXX and spoke with XXXX on XX/XX/XXXX. 
We were told the bank was in the process of closing our accounts and they were therefore blocked. 
We were not given a reason why. 
We were given case number XXXX  
We were told Citibank is unable to give a specific date when our funds will be released but that it is never more than 30 days from when they are initially blocked. 
We are now close to the 30 day time period and when we contacted Citibank again they still do not give us a specific date as to release of funds. 


We would like to be given a specific date as to when these funds will be available. 
We need these funds for essentials like housing payment, health insurance, groceries, prescription refills, etc. 
We would like to know by what method we will receive these funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$990.00}

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 explanation
Consumer complaint received 2016-01-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have fraud alert on my Chase Visa card, which I appreciate, but I DO N'T appreciate how they use it! I made a credit card purchase from an overseas internet vendor -- whom I have used before and who I know is reliable. Instead of just alerting me that this purchase looked suspicious and asking me if it was valid, Chase DECLINED the transaction -- even when I verified that it was legitimate. This put the burden on me to re-contact the vendor and start all over again!!! Also, it delayed the shipment of time-sensitive items. Obviously Chase did n't want to be exposed to fraudulent charges so instead of just putting a hold on the transaction until they verified whether it was legit, they declined it, making more work for me. NO OTHER credit card company I do business with uses this procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Maximus Education, LLC dba Aidvantage
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:
Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 XXXX / XXXX has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

DEPT OF ED/AIDVANTAGE XXXX and DEPT OF ED/AIDVANTAGE XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Used intimidation tactics and threats. Called me and my family members multiple times trying to discuss my debt. Used multiple numbers and called private multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Coastline Financial Resources, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a call from ( XXXX ) XXXX stating that I owed them {$1400.00} from a XXXX account that I stopped paying on in 2012. I advised them that I was not aware of this credit card account and they advised that if I did n't pay that they would come to my job and serve the complaint. I advised them that I was on Social Security and the rep advised that they would take my Social Security check. I attempted to find out the company as I had received a voice mail as well stating to call ( XXXX ) XXXX which goes to Coastline Financial XXXX XXXX. There were multiple calls back to back with a few minute time frame.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX. When I initially spoke with someone they lied and told me that they were accredited. Had I known that they were not I would not have attended that school. I was also pressured into attending the school, when I left I had people contacting me for weeks. When I completed the necessary paperwork to attend, they told me I was not eligible for any grants and that I would have to take out student loans. I later found out while attending another institution that I was eligible for grants and did not have to pay out of pocket or take out loans. I Do n't think it is fair that I was basically taken advantage of and received a degree that is now laughed at when on interview. Fortunately I continued my education at other public universities. I hate that I fell prey to their scam. I also has a private " genesis '' loan that was paid in full. What can be done to help me with the loans that are now due for payment for a degree that I ca n't even use and Is n't even considered while searching for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling every XXXX or XXXX, I spoke with an agent, said I would make payment over the internet. This was agreed with the agent since I do not give my personal information to persons who direct call me regardless of the phone number that is calling. I then proceeded to the website and made a payment within minutes of speaking to the agent. I also at that time requested they not contact me with auto dialed collection calls. XXXX Hours later I received an automated call. I then hung up, and called the company and got in touch with another agent and stated that I have a pending payment on record, and to please stop calling me. He stated that they would not stop calling me unless I wanted to make another payment over the phone. At which point I brought up my stance on giving information over the phone and the fact that if they called me once in a day that I would most likely not have additional money the XXXX, XXXX, XXXX, XXXX, or XXXX time during the day. He then stated that they could call at least XXXX times in the day with no penalty. That in my book is still harassment. I could understand XXXX or XXXX with the possibility of having missed XXXX of the calls, but XXXX?! I would like something to be done about this. It is not right for a loan collector to harass someone into payment. Not only that but when you call them they are less than cooperative with an attitude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: College Ave Student Loan Servicing, LLC
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I recently filed a complaint with College Ave Student loans on XX/XX/XXXX with complaint ID number, XXXX- Please review as this complaint pertains to that. i recently completed paying off this loan with XXXX XXXX XXXX, a debt collection service agency. I came to a term agreement and paid off the selected amount to get rid of this loan. the loan was then put to XXXX and i was told i no longer owe anymore money to college ave. I also did not pull out any other loans from this company besides in XXXX and XXXX, which have been paid off. they are now trying to scam me and charge me another XXXX, despite having to refund me over XXXX XXXX  due to overcharging me for the loan. it is necessary that the fees be revoked and that i do not owe any more money to such a terrible agency that is trying to steal money from college kids. Plus, i was told if i pay on the college ave website, who NO longer has control of the loan, my payments will go nowhere! and the company XXXX no longer has the account because it is paid in full. college ave is not responding to me and i am left with no other choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Im here to complain about Navient. Navient is the worse company and i feel like they take things lightly. it is unfair becuase they have total control over my credit. They reported me to collections and they made the mistake. i paid for a forberance and they applied the money wrong. it took them months to get it right. i dont understand how this could have happened.they are not here to help. they mislead people. i told them i cant afford the payments and i paid what i could. they refuse to lower it to a more affordable payment. the intrests rate are too high. this is too much with my bills and other exspenses. its begining to be so stressful on me. i have cried many times behind this. i do not want them handeling my loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: ALLIED MORTGAGE GROUP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We believe Allied Mortgage Group is running a scam to steal " fees '' from loan applicants and not delivering loans. 
1. We applied for a {$200000.00} re-finance mortgage on a house worth {$600000.00} with Allied Mortgage Group approx early XX/XX/2019. 
2. We submitted, in a timely manner, all income documentation required, W2s, income taxes, pay stubs, ... 
3. Allied set up a home appraisal and charged us {$500.00}. 
4. Allied 's appraiser appraised house in the current condition at {$600000.00}. We are in the process of upgrading the home with some of the updates " in process ''. The appraiser said the value will be higher when our updates are complete. 
5. Allied, XXXX XXXX, told us the mortgage was near completion in early XX/XX/2019 and we'd get our funds by mid XXXX. 
6. Mid XXXX, XXXX said that a deck repair in the front of the house was a " safety issue '' and prevents the closure. The repair cost {$30.00} in material and 2 hours of labor, which is negligible on a {$600000.00} house and has no impact on the appraisal value. 
7. We had to rush ( in the snow ) to complete this repair to satisfy Allied. 
8. Allied then wanted to charge and additional {$200.00} for an appraisal update for this {$30.00} repair. We had already paid {$500.00} for the appraisal and were starting to get the feeling that Allied was running a scam to collect fees from consumers without ever actually issuing any loans 9. I emailed XXXX and told him our concerns about the illegal, non-disclosed fees and our concerns about being scammed for fees and not ever getting the loan we applied for. 
10. XXXX ignored our contacts ( phone, email ). When I was finally able to get him to answer his phone, he was rude, obnoxious and verbally abusive to me and then hung up, very unprofessional and rude. 
11. I tried to get XXXX to roll the additional, undisclosed fees into the loan amount instead of forcing us to pay up front ( for fear that they would collect fees and never deliver the loan ) 12. XXXX cancelled the loan request, but denied refunding the fees we paid them claiming they can keep anything they want. 

XXXX and Allied are basically holding consumers XXXX and forcing them to pay undisclosed fees for trivial reasons. It seems they are scamming people out of fees for profit and not delivering loans. We feel scammed and cheated by Allied Mortgage and the loan officer XXXX. 

The mortgage we applied for is only 1/3 the value of the house we are re-financing. Our income is approximately 6 times the required amount ( per 28 % rule ) for the {$200000.00} loan requested. The only reason Allied declared for refusing the loan is a {$30.00} deck repair ( which is already completed ), and therefore doesn't make sense. 

Allied Mortgage Group XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Send certified letter on X/X/2017, no respond. Copy of letter enclosed. They have my account with XXXX  in a negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was victim of identity theft, I do not owe this, already claim it with XXXX and it was remove from 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 2022-07-25
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX volunteer reposition XXXX XX/XX/XXXX withdrew before deadline due to work schedule XXXX XXXX XX/XX/XXXX XXXX company never sent proof of debt. 
XXXX sales merchandise returned to company a rent to own breech contract XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have repeatedly asked for evidence to support your reporting, but yet again, your company have failed to provide me with a copy of any viable evidence, substantiating their claims. 
Given that I believe you are acting in bad faith, and have not complied with the Federal Trade Commission ( 15 USC 41, et seq. ), I will filed a Small Claims lawsuit against you for failure to validate late payment on credit report. ( FCRA Section 611 Part ( A ) ( 1 ) I have maintained careful records of your company actions, and you are now required to appear at Superior Court of California , XXXX Dept. BM XXXX California XXXX on I am seeking {$5000.00} in damages for : 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Navient Solutions Inc. has failed to validate the late payments. Failure to remove item off credit report. Fail to provide proof of item. Deformation. Violation of the Fair Credit Reporting Act, Negligent Establishment of Identify Fraud. On other separate occasions they failed to provide me written proof of any late payments which I requested in writing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Issue: Convenience checks

Complaint:
Bank of America lied to me about the interest rate on my credit card. I was told that the go to rate on my card would be XXXX instead it went to 22 % interest. They stated it was because of how I accessed the cash with a convenience check instead of doing it online or over the phone even though when I made the advance I was told it go to the purchase APR and not the cash advance APR.

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 2022-07-25
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:
This is my XXXX endeavor that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021

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 2022-01-20
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX was sent a request for validation letter concerning a account they claim I owe on my consumer report today which is XX/XX/XXXX they still have yet to respond. This account is very damaging for my personal consumer report and business report causing me to not be able to get funding

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 2016-05-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
the XXXX items are not minds, they was opens in a name that is similar to minds and when I looked at my credit report I saw them was on it, XXXX have tried a lot of time to get the credit companies to remove them but they keep coming back seeing they are minds ... and I keep asking how did they verifty the items are minds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, Family Support Division account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation