BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am buying a house in XXXX, NH. The transaction is being facilitated by the attorney XXXX XXXX, XXXX who has an escrow IOLTA account at Citizens Bank with a branch convenient to his office in XXXX, NH. Paper checks payable to the IOLTA account in the amounts of {$50000.00} and $ XXXX+ from a XXXX XXXX XXXX branch in XXXX , CA , were generated on-line and physically deposited by XXXX XXXX XXXX Citizens Bank at XXXX on Friday, XXXX XXXX, 2016, with the expectation that they would clear any hold within 3 business days ( e.g. by close of business yesterday, Wednesday, XXXX XXXX, 2016 ). 

When an on-line review on XXXX XXXX revealed that the checks had not cleared, XXXX XXXX made a call to the bank to inquire when the checks would clear and was told by bank staff ( XXXX, sp? ) that the checks would not clear until XXXX XXXX. XXXX XXXX called the XXXX XXXX XXXX, CA Branch Manager and was told that the funds had been released and were not being held by XXXX XXXX, although he would look into the situation that was already beyond his control. I then called Citizens Bank ( before close-of-business on Wednesday, XXXX XXXX, 2016 ) and told XXXX to convey to the powers-that-be that I would be taking legal action if a certified check were not issued this morning ( Thursday, XXXX XXXX, 2016 ) from my funds, in the amount of $ XXXX+ payable to the seller, so that I can close on the purchase of my home. 

At about XXXX ( XXXX XXXX ), I called Citizens Bank ( because no one had called XXXX XXXX, whom I designated should be called with their response to my complaint/demand ) and requested to speak with XXXX, but was connected to Branch Manager XXXX, who informed me that she could only speak with XXXX XXXX about the particular circumstances of his account, but when pressed with the evidence that no contact had been made after my call AND she told me that she HAD told XXXX XXXX what steps to take to have the funds released ( but he had told me he had no means to get the funds released before XXXX XXXX ), it became clear to me that a complaint is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached information it has my full complaint and proof and evidence that I have been discrinimated against.

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 2016-03-14
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX/XXXX/2016 received a phone call from a female who only said she was from Southwest and wanted to speak to me, when i told her she was she then wanted me to give her my social security number. She would not answer my inquiry as to who was southwest she just kept asking for my social security numer. I refused and she hung up with no explination as to why she called or any explination as to who Southwest was. I found out later while checking my credit report she was from Southwest Credit Systems in XXXX, Texas and that she had just place deragortory comments on my credit report. This person was rude and would not answer any of my questions as to who Southwest was. I will not give out my personal information to anyone over the phoe but she would not take no for a answer. Found out she was a collector trying to get information for collecting a debt i did not know existed. I have never received any mail or other correspondence from this Southwest company. We have moved twice due to selling our house. Still this company is rude with the way rhey treat people. I have checked with the XXXX Texas and supposedly there have been numerous complaints against this company.

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
Consumer complaint received 2022-05-22
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2015-10-21
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a XXXX XXXX dollar payday loan with a finance charge of XXXX. in 8 weeks I paid them back XXXX. They deducted XXXX biweekly. I thought I was done when I received a message that there was another scheduled payment for XX/XX/XXXX, that 's when I found out I was being charged 489.872 % rate with expected payments thru XX/XX/XXXX. I 'm in the process of closing my checking account out so they can not take any more money. They have all my personal information including my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: National Check Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello, I would like to file a complaint to dispute the claims of a XXXX credit card that was created in my name XX/XX/XXXX. This particular credit card was created in a fraudulent manner in which I had no knowledge of until XX/XX/XXXX. XXXX/NCB never brought this matter to my attention because they claimed while I was in military service, they did not want to burden me with this matter. I am still in military service with the XXXX XXXX. I was XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I am still in military service for the California XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have included several supporting documents to include my XXXX in which shows my service in XXXX XXXX time and the transference to the XXXX XXXX XXXX. I have also included the court papers in which NCB claimed they served me in XX/XX/XXXX. I was never served or given these court papers. Lastly, I wish to state that I must maintain proper standing for my XXXX clearance for the government. A suing and or debt of this matter would of prevented me from obtaining my clearance if this matter was brought to myself or my employers attention. This credit card account never appeared on my credit report in the past 10 years. Please let me know if you need any additional information from me in regards to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have written to Southwest Credit Systems requesting - " proof of the validity of the debt claim made by XXXX, including detailed proof of the amount owed and any interest charged on the alleged debt ; documentation of any and all communications with me regarding the alleged debt ; proof that Southwest Credit Systems is licensed to collect debt in Massachusetts and has a valid legal right to collect the debt ''. To date, Southwest Credit Systems has ignored my request and is falsely reporting this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-01
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from CMRE financial services INC. for a principal amount of XXXX. This is for a XXXX XXXX and XXXX I had done. During the time of this visit I had insurance with XXXX through my father, XXXX XXXX, which they failed to bill. I never received a statement for the money owed they just sent this bill to a collection agency. Furthermore, to add insult to injury, this company is unlawfully charging me interest. The CMRE Account # XXXX PIN # XXXX Account # XXXX. From what I recall this is for XXXX done to gauge my XXXX due to being diagnosed with XXXX in 2011. This was requested, I believe, by a XXXX XXXX XXXX in XXXX XXXX, CA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Netspend Corporation
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XX/XX/2017 a transaction was processed from my prepaid account in the amount of {$100.00} from XXXX. First and foremost XXXX should not have debited the account because I cancelled the scheduled payment however they were able to process the payment on a card that a fraud agent with Net Spend told me would be deactivated. Since I have contacted Net Spend several times to have the money put back in my account because it does not take a rocket scientist to see that with notes a fraud agent with their company told me the card would be deactivated and it was not. Therefore there should not be any question about the transaction because Net Spend 's risk management department informed me that once I activated my new card my old would be deactivated and no charges from that old card should take place. Taking 10 to 45 days to clear a dispute which was clearly their fault in not deactivating the card as I was told caused this transaction to go through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX XXXX XXXX XXXX XXXX service. When I moved I called to close my account. I was told to return the equipment to XXXX. The equipment has returned and I have the receipt. 

I was contacted by a different collection agency in XXXX XXXX and I sent a copy of my receipt. In XXXX XXXX I leaned a collection item was on my credit report. I sent SW Credit a copy of the receipt showing I returned the equipment. They have not removed the collection team from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
I received a NetSpend prepaid master card in the mail today, which I did not request.In their disclosure they admit that they received my name & address because I indicated interest in offers similar to this and not in response to an application. They are lying because I have not expresses an interest in a prepaid card. I have a real credit card and a Bank that I have dealt with over 30 years. 

This madness started when I was doing a job search on a site for XXXX about a month ago. I immediately started receiving tons of spam by email & telephone.. NetSpend said to opt out of this offer & future mailings to call XXXX or if you want to activate it call XXXX. I called the number to opt out, expecting to speak to a live Rep but it was not to be. The automated line stated to press option XXXX to opt out & asked for the card number. After entering that info, it requested that you hold on until they activate the card?? I hung up before the next message came on.This is on the opt out line. This is nothing but a scam because I did not request or need this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: Genesis Lending
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was mandated to make monthly payments to Genesis Lending on my private student loans while attending classes at XXXX XXXX, XXXX, NV. From XX/XX/XXXX thru XX/XX/XXXX my monthly payments ranged from $ XXXX {$150.00}, for a total amount exceeding {$1300.00}. I was aware that such practices were prohibited while attending classes, however, should I failed to make payments I would have been barred from classes. 
I would like to be reimburse for those funds.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Regional Management Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This is in regards to the company Regional Finance XXXX, and I believe the parent company is Regional Management. Neither me or my information was ever used in this loan being taken out. This goes well beyond a typical identity theft situation were at least information was taken and verified before the loaner would file it against your name. This company used the mere fact that a USPS mailed, to the wrong address by the way, check was cashed with my name on it as justification to the verification of my identity. There was a contract as part of the endorsement that had a line labeled drivers license number, this information was simply filled out with bogus wrong information that was never verified by this company. This company has also played the run around game with me about how to get this resolved as well but this complaint is to the nature that I, as a consumer, was negatively effected by this practice and there was n't even the protection of verifying my identifying information before this was placed against my name. HOW CAN I BE THE VICTIM OF IDENTITY THEFT IF MY IDENTITY WAS NEVER STOLEN! This should be fraud by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I made XXXX purchases on XXXX, on XXXX XXXX and XXXX XXXX, 2015, for {$150.00} each, using a credit card from Chase bank. 
These were purchases, but Chase insists that they were cash advances, and accordingly charged me a {$10.00} cash advance transaction fee and a higher cash advance interest rate. 
After I confronted Chase with a statement from XXXX saying that XXXX does not process cash advances, and threatened to file a complaint with the CFPB, they refunded my transaction fees as a " courtesy, '' but continue to insist that they were cash advances ( although I received no cash or anything similar from the transactions ) and continue to charge me interest on these transaction at the higher cash advance rate. 
Interestingly, on my annual summary Chase correctly classifies these transactions as the purchase of a service, while nevertheless insisting in correspondence that they were cash advances. 
I would like these transactions reclassified as purchases ( consistent with XXXX 's classification ), and excess interest charged refunded to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-19
Company: STERLING JEWELERS, INC.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a credit account with Sterling Jewelers d/b/a Kay Jewelers. Per XX/XX/XXXX Oregon Revised Statute 166.090 sub paragraph 1 ( 1 ) A telephone caller commits the crime of telephonic harassment if the caller intentionally harasses or annoys another person : ( a ) By causing the telephone of the other person to ring, such caller having no communicative purpose ; ( b ) By causing such other person 's telephone to ring, knowing that the caller has been forbidden from so doing by a person exercising lawful authority over the receiving telephone ; or ( c ) By sending to, or leaving at, the other person 's telephone a text message, voice mail or any other message, knowing that the caller has been forbidden from so doing by a person exercising lawful authority over the receiving telephone. 
( 2 ) Telephonic harassment is a Class B misdemeanor. 
( 3 ) It is an affirmative defense to a charge of violating subsection ( 1 ) of this section that the caller is a debt collector, as defined in ORS 646.639 ( Unlawful collection practices ), who engaged in the conduct proscribed by subsection ( 1 ) of this section while attempting to collect a debt. The affirmative defense created by this subsection does not apply if the debt collector committed the unlawful collection practice described in ORS 646.639 ( Unlawful collection practices ) ( 2 ) ( a ) while engaged in the conduct proscribed by subsection ( 1 ) of this section. [ 1987 c.806 2 ; 1999 c.115 1 ; 2005 c.752 1 ] Between the period of XX/XX/XXXX to XX/XX/XXXX I received over 100 calls from various area codes ranging from Ohio to Hawaii between the hours of XXXX PST to XXXX PST with recorded messages saying please call your jeweler or please call Kay jewelers. There were as many as 6 calls in one day without any messages or with hang ups. On XX/XX/XXXX I called Kay Jewelers asking for their legal departments information and was denied that information. I advised the representative that I felt that I was being bullied by the insane number of spoofed calls and that I wanted to complain. I also told the phone rep that I was going to file a complaint through my attorney generals office as well as the Department of Defense so that military personnel will be warned about Kay 's collection practices. The rep gave me Kay 's corporate address which was the billing address and at that point i ended the call. For the remainder of that day Kay tried to call me and backtrack on my account by saying that i was not in collections. The last person that I spoke to I advised them that I had nothing more to say and I hung up. I then received a series of robocalls with no background sound. 2 days later I received a letter from Kay Jewelers saying that my account has been closed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Credit Karma, LLC
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived in XXXX XXXX in XXXX, Ky. I have no idea how this address is showing under my name. I would like to know why it appears in addresses. I would like this removed and investigated as to why it appears. Has someone tried to obtain a loan or something in my name.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I enrolled in the Public Service Loan Forgiveness program because I only work for non-profits. FedLoan Servicing has given me the runaround since XXXX. I have sent in the forms, which they claimed they never received, sent them again and again via fax, yet I can not get the customer service reps to accurately record my employment with the non-profits correctly. By them not recording the information correctly, they always say I am not enrolled or they have no information regarding the agency. I have been with the XXXX FL XXXX ( the 2nd time ) since XXXX. Today they recorded it as XX/XX/XXXX. Prior to that I was employed with a XXXX organization in XXXX - no credit for employment there. FedLoan Servicing has done everything possible to incorrectly show accurate employment information to make sure I dont get credited appropriately. They do n't even credit my overpayments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card information was stolen and used to make a relatively large purchase at XXXX XXXX XXXX in XXXX XXXX. The thief made a purchase of {$2400.00} on XXXX XXXX, 2016 between the hours of XXXX and XXXX. Chase fraud prevention notified me of this charge. I have already made a claim with Chase and closed all of my accounts. Chase has denied my claim even though there is overwhelming evidence that proves this is fraud. I contacted the XXXX in XXXX XXXX to find more information on tracking this thief down. They notified me that I must first file a police report, which I did. XXXX XXXX PD has approved this report and assigned a permanent case number. I have also given all of my info to the XXXX in XXXX park to help track this person down. I just want my own money that I earned back, chase is making this extremely difficult and is not not trying to resolve the issue at all. They refuse to reimburse me and told me I was on my own.

Company response to consumer: Closed with monetary relief