BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX and I am in need of some assistance. There is a class action lawsuit against Santander for predatory lending practices. Nebraska and Georgia are just a few of the states mentioned in the class action lawsuit. Attached is a letter explaining my situation. I would like to know if your assist me, if not, do you know of any other agencies that can provide any assistance? There is also a class action lawsuit against XXXX due to engine failures, fires, and excessive gas consumption. My car is a XXXX  XXXX XXXX and according to XXXX, if my engine is not stalling or knocking, I can not get any assistance. The current lawsuit does not cover excessive oil consumption. My car has a blown head gasket and I still have an outstanding loan on my vehicle with Santander and I can not drive it! 





Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First they deactivated the account because I hadn't made a deposit in a while. 
I had to make a deposit initiated from my local bank account which went through real time. I had to call back several times to get the account activated and set up an external account to transfer to. 
Then I tried to initiate a transfer from the account to my local savings account but had to call to get that to post. 
That transfer is still pending after 4 business days and every time I call they tell me it's not enough time. 
I initiated a transfer from my local bank account to get the money and that went through after only 3 business days, but not the one initiated from the bank I'm filing the complaint about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I did a Mobile deposit to a new USAA checking account # XXXX. The transaction posted on XX/XX/XXXX. This was a check for $ XXXX from XXXX XXXX XXXX XXXX issued on XXXX XXXX XXXX XXXX . Understandably the funds would not be available until transaction cleared. USAA stated that the funds would be arbitrarily held until XXXX. I contacted the bank for an explanation. They would not release the funds for 10 days. This is absurd abuse of banking practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: RI
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 accounts are paid in full and please reflect paid in full {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/2021, We had a house fire in our primary residence. Money has been released from the Insurance company and we were forced to send the entire balance to Chase Mortgage. The money is not actually their money as the insurance company provided it to us to re build the house. We are are in process but Chase keeps withholding funds. We have provided bills for completed projects, contractors have called for payment of completed projects but Chase continues to hold and not release money. The insurance company is still holding {$80000.00} in reserve. Chase has {$100000.00} Held but will only release when they say we have completed the project of rebuilding. I can not rebuild the house if I do not have money to pay for the reconstruction so when they give us some planned inspection which they send some kid out to take photos and estimate completion percentage and then deny us money so I can not pay contractors I can not get any work done. So we end up in a never ending cycle of a hold pattern. I have not missed a single payment on the house, Construction is in process and Chase continues to withhold money. I need the money released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This complaint is a follow up to complaint XXXX and XXXX. I received XXXX telephone messages from a XXXX XXXX in " Judicial Services '' to contact her regarding File XXXX, and she stated that although I had previously contacted XXXX XXXX XXXX, the matter was not resolved. She stated that they had contacted and verified my place of employment, and the Sheriff would either come to my place of employment or home. I tried returning her call at the number she left in my voicemail ( XXXX XXXX XXXX ), and the woman answered XXXX XXXX XXXX. I asked to speak with XXXX, and she stated that she had no one in her directory by that name. I asked her to check because XXXX just left a message with this number, but the woman said she had no one by that name. I asked if this was XXXX XXXX XXXX, a law firm, and she said yes. I asked for the street address so that I could send written communication, and she did not give this information. She then hung up. I called back and another woman answered and said yes, this is XXXX XXXX XXXX, the Corporate Office in XXXX, but XXXX is in Judicial Services. I asked for the street address, and she refused to give the information but insisted that they were an actual law firm. I advised her that I had filed complaints with the FTC and also checked with AMEX to see if I had an account, and AMEX advised ( as previously provided ) that the account matching the last 4 digits of my social security number in the zip code XXXX actually belongs to another individual. I asked for the name of an attorney who works with their law firm, and she stated XXXX XXXX. I asked if it is XXXX XXXX, XXXX, and she said yes, XXXX XXXX in XXXX. I found the name of an attorney XXXX XXXX, XXXX, in XXXX, GA with telephone number XXXX XXXX XXXX and fax XXXX XXXX XXXX. XXXX XXXX XXXX said they could not give me the address of their law firm but that it would be on the papers the Sheriff serves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone ran my credit for a auto loan with all of these companies and messed up my credit with hard inquiries This was not consented by me and i have no open accounts with none of these financial companies .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/. I was notified that my account was frozen I called them. They told me that a wire transfer came in from XXXX XXXX XXXX. They deemed it fraudulent I called them ask them what the policy was I was told by XXXX a back office supervisor that they needed to verify the funds And they wanted a phone number that they could call the person who sent the wire transfer. I provided it her name is XXXX XXXX. I gave them her phone number they called her and verified the phones. They then told me that they had to verify me are you kidding me they gave me a business account and they cant verify it. I verified my EINnumber from the IRS tying me. To my business XXXX XXXX now theyre telling me they still cant verify it isnt an interesting they gave me a Business Acct and now they can verify it. They are stealing my money. I need somebody to intervene and give me answers please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TRANSWORLD SYSTEMS INC IS IN VIOLATION OF FCRA 615 ( F ) ( 15 USC 1681M ( F ) PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT! THIS DEBT WAS OWNED BY XXXX XXXX WHO WERE SUED AND THIS DEBT WS DISCHARGED XX/XX/XXXX. NOW TRANSWORLD IS REPORTING THIS DEBT AS OF XX/XX/XXXXXXXX  FALSELY TO ALL 3 MAJOR CREDIT BUREUS. I FULLY INTEND TO PURSUE LITIGATION IN ACCORDANCE WITH THE FCRA TO ENFORCE MY RIGHTS AND SEEK RELIEF. TRANSWORLD PURCHASED A DEBT THAT WAS DISCHARGED AND NEVER ALLOWED ME TO VALIDATE THT THIS WAS EVEN MY DEBT OR ACCURATE. LASTLY, TRANSWORLD IS IN VIOLATION OF USC 1681 C-2. I AM 100 % WELL AWRE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) TRANSWORLD ARE CRIMINALLY LIABLE FOR GIVING FALSE INFORMATION TO THE CREDIT BUREUS AND THEY ARE LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS DEBT. THEY ARE LIABLE FOR 2X OF THE FINANCE CHARGE. I WILL ESCALATE THIS MATTER TO THE FURTHEST EXTENT UNTIL THIS MATTER IS COMPLETELY SOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have had issues with my banking accounts being compromised. I have addressed this and reported it to the credit reporting agencies. On XX/XX/2023, I received a letter from US Bank about an overdrawn account. I have no account with them, so I called to explain that this account is fraudulent and needs to be closed. " XXXX '' working out of XXXX  refused to close the account because I do not have the account number ( the notice I received only says " Account Number ending in XXXX '' ) and I would not give my social security number -- which I think they have no right to request since this is a fraudulent account. He claimed he could not access the account with my name and the address associated with it. Despite knowing that the account is fraudulent, he refused to close it. 

Please feel free to publish this account and let other people know that US Bank knowingly facilitates fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
There were unauthorized purchases made on my credit card. After Chase initially adjusted the charges but after their 'investigation ' they found we were liable for the charges. 

I ran a spreadsheet of adjustments on the chase website, they totaled {$1100.00}. Chase put back over {$1400.00} worth of charges on XXXX. This amount is incorrect as proven by downloading a spreadsheet on their website. 

I've attempted to speak with Chase and advise them of the issues but they keep transferring me. I was on the phone with 4 different customer service reps on Wednesday, it took me until the 4th rep to confirm the correct amount. The amount of {$1100.00} was confirmed by 4th rep. Then two days later, I see they put the original amount of {$1400.00} back to the card. 

Chase is accusing me of fraud. They are being deceptive and can not provide any documentation to support their numbers. I get bounced around their phone system when trying to correct the issue. 

Chase Recovery phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Visit Capital One We're here to help. 
Product Name : QUICKSILVER Account ending in XXXX XXXX, We understand that sometimes you just can't do it alone, so we're here to help. Let 's work together to find the best payment solution for you. 

If you have questions, please reply to this email. 

Find My Best Option they have closed this account refused to validate this debt sold this account to a third party and are reporting this as bad debt on my credit report and they are sending me emails like this one attempting to get me to set up a payment plan on debt they have already written off without sending me my consumer copy of the 1099C they filed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023, I called Nelnet to request my student loan that I paid during Covid to be repaid back to me. Nelnet said they put in a request for my refund. On XX/XX/2023, I called back and was told no request had been submitted on my request, so Nelnet would submitted the first request for me. 
Now XX/XX/2023, almost 2 months after my request, no refund has been issued to me. I contacted Nelnet and was given a run around saying " we are working on it " Filed my first complaint with Consumer Financial Bureau Protection. The company responded " contact customer directly ''. However, their response letter was very vague, repeated the same thing " we are still working on it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Aspen Yo LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been reporting to you previously that this Gregory Funding was involved in charges to my account. 

I want to report this time the possible fraud with my mortgage and house located at XXXX XXXX XXXX XXXX tx XXXX. 

This Company Gregory Funding showed up as soon as a fraud of my house started to robe my house in XXXX with robbers ( XXXX XXXX, XXXX, Constable XXXX XXXX, constable XXXX XXXX, XXXX XXXX employees, Judge XXXX XXXX, XXXX XXXX Police Department and other involved from XXXX 

I presented report XXXX to XXXX police Department about this robbery in the middle of XXXX. This police department ignored my report and waited to the robbers finish with the robbery in XX/XX/XXXX in XXXX. 

I also reported this robbery on XX/XX/XXXX, when robbers stole my house and personal belongings. 

Robbery included my house located at XXXX XXXX XXXX XXXX tx XXXX and all my personal belongings at the house.

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 2023-08-27
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was researching new cards for a potential balance transfer. My research showed the Citi Simplicity card might be a good fit. I could not get any information about credit limit thresholds so ended up unintentionally applying for the card while trying to get this information. I was approved for the card with a balance limit of {$3000.00} - much lower than what I was looking for. I did not realize I was applying for a card. Now I have a credit card that does not meet my needs and I risk impacting my credit score if I close it. I asked Citi to increase my credit limit and they declined telling me I need to have the card in good standing for 6 months before they can do this. I asked them if they could consider my existing Citi card and match the balance and they told me the fact I have another card, despite having a XXXX balance, this is why they can not approve my credit increase request. Consumers need to have information about credit limit thresholds made available before applying for cards. I would not have applied if I could have obtained the credit limit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I tried to send payments to Aidvantage but most were rejected. The XXXX XXXX payment was accepted but the {$37000.00}, {$62000.00}, and the {$74000.00} payments were rejected. All payments were made from the same account. There is sufficient money for all withdrawals and there is no maximum withdrawal from XXXX. Aidvantage claims that the rejected payments were due to them coming from a non-active account but how could it be non-active if they were able to accept the {$7000.00} payment from the same account. Its clear that Aidvantage is illegally attempting to delay payments in order to gain interest on my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently made a check deposit of {$5000.00} on Thursday to my Community Bank N.A. savings account. I understand checks that large take time to clear and the funds may be held. Though there is absolutely no reason for my entire savings account to be restricted when I already had cleared funds in it. I have very little money in my checkings account, and went to transfer some of the money I already had from my savings to my checkings. It will not allow me to do so as it has my ENTIRE savings account restricted, and its now saying on the app that I dont even have a savings account right now. I have things to pay off, it is absolutely unacceptable to have funds I already had locked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received an unsolicited Amazon Business Card from Synchrony Bank. Amazon then decided that the card was my default payment method and started charging all of my purchases to it - not just my business purchases. 

I have not received a statement and when I called - after finally getting a human being on the phone I was told I had asked for electronic statements. Not so much- and I haven't received any of those either. I checked diligently - no such statement. 

When I requested a paper statement I got a major league run around but the agent finally agreed to send me a paper statement. The matter was complicated by the fact that English was clearly not the agent 's primary language.

She then told me that it would take 3-4 weeks to get me a paper statement.

The whole thing is a violation of the Fair Credit Billing Act. Amazon and Synchrony are both culpabl and should get called on the 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 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
its two CapitalOne account open on my name that dnt belong to me. i have call CapitalOne. 
file a complaint that its fraud and the address have never live. please i need fixing this thank.

Company response to consumer: Closed with explanation