BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: Paramount GR Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My mother XXXX XXXX was told by a rep from XXXX XXXX that if she got their services she would not have an electric bill and more and just make her loan payments reg loan payments which are XXXXWe were told wishing XXXX days the panels would be up and running, till this day the project isn't complete and our roof was damaged plus we have been paying both electric and loan payments since this started in XXXX of XXXX.From the time the contract was singed we asked for a copy and could not get one.We had to get an attorney to give us a copy of the solar power contract, just a little bit before that we got a copy of the goodleap contract.We asked and waited and waited.We found that there was an erroneous email listed on both contracts which is why we did not receive then until mush later.The loan company gave no explanation as to who's email address it is and who gave it to them.There was an erroneous yahoo address that had my mothers name in it, we have never seen it ond no one could tell us who gave it to them.The solar power company claimed it was pulled from the electric company contract which was false.the electric company contract had the correct one on it.That means someone put this address that they had access to on my mothers contracts and had been getting her emails. THESE PEOPLE ARE FRAUDS AND WE WANT LEGAL ACTION TAKEN. THEY CAN NOT TELL US HOW THIS HAPPENED. CONVENIENTLY THE XXXX-DAY CANCELLATION PERIOD WAS UNKNOWN TO US UNTIL WE FINALLY RETRIEVED IT, HAD PASSED. WE WANT THE CONTRACT ELIMINATED, THESE GUYS ARE CON ARTISTS.ALSO, WE LATER FIND OUT THAT AFTER XXXXMO PAYMENTS GO UP TO {$450.00}, WHICH WE WOULD NOT HAVE MOVED FORWARD WITH HAD WE HAD OUR CONTRACT TO REVIEW, WE HAD A HEARING WITH THE ROC AGAINST THEIR CONTRACTOR WHO FRAUDED US AND THEY WERE FOUND GUILTY ON ALL CHARGES, THEY CONTINUOUSLY LIED IN COURT JUST LIKE GOODLEAP AND NOW IT WILL GO TO A COURT OF LAW.LYING DID NIETHER ONE OF THEM ANY GOOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
When I was out of town a woman stole XXXX checks of mine, filled them out and used them as payment for her bills. As soon as I found out I reported the theft to Bank of America. Bank of America is refusing to return the funds totaling {$530.00}. It was obvious to the Bank Manager whom I brought the theft to my attention ; that it was clearly not my handwriting nor my signature. In fact he pulled my signature card to verify. 

Please assist me in recovering my monies. 

Attached are the forged checks ( front/back ). Also there is a copy of a legitimate check, which I wrote and signed ( {$1500.00} ) so that you see the differences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2022 I called Venmo to close my personal and business account. As of XX/XX/2022 the problem remains unresolved. To speak with me they required I submit a copy of my Driver 's License to verify who my identify. To close my account they need a copy of my bank statement. I have submitted my bank statement 3 times. They tell me there is a problem with their system, engineers are working on it and for many business accounts they are unable to receive documents. Despite it being " escalated '' there is no target date for resolution. Additionally, they will not accept an email of the scanned bank statement to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Skopos Financial, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer privacy and confidentiality under 15 surcharge 1681. 

Skopos financial llc # XXXX. has violated my right 15 u.s.c 1681 section 602 a. State I have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( a ) section ( 5 ) state : no consumer reporting agency may make any consumer report containing any of the following. Items of information any other adverse item of information. Other than record of conviction of crime which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relay to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-11-06
Company: CITIBANK, N.A.
State: HI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from XXXX on Monday XXXX/XXXX/15 at XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX XXXX of XXXX on Friday XXXX/XXXX/15 at XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt to Sears for {$850.00}. He claims I opened this account in 2005. 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have XXXX tuition answer loans originally through XXXX XXXX and now through Navient. According to phone conversations with Navient ( XXXX XX/XX/XXXX, XX/XX/XXXX ), my loans should still be in an in school deferment. However, for some reason Navient has me dropping out of school in XX/XX/XXXX. Both customer service representatives that I have spoken with have looked through my promissory note and have assured me that as long as I do not drop below half time for 180 days, my tuition answer loans should remain in deferment. The first customer service representative I spoke with put through the paperwork. Navient denied my deferment, even after I was assured that my loans should still be deferred while I am in school. When I called the XXXX representative to ask why my application was denied, the customer service representative was unsure why my application was rejected other then possibly telling me that the document that Navient has from the XXXX XXXX XXXX could be " confusing ''. This same document was used by the first customer service representative to work with me to complete the application to defer my loans. I was told by both representatives that if I had dropped below half time for a period of greater than 180 days, I would have been able to have an in school deferment for 48 months ( which just ran out ). However, as the XXXX XXXX XXXX shows, I have not been attended school less than half time for more than 180 days. 

When I asked the XXXX customer service representative if I would be able to speak with the department that denied my application, I was told that they wo n't speak to me because if they spoke with borrowers they would never get anything done. I understand this, however, the customer service representatives do not have any idea why this department denied the application. 

I would like to speak with the person who is actually making the decision regarding the deferment instead of hearing a bunch of " maybe this is the reasons ''. 

I am trying to be proactive regarding my loans, however it seems like Navient would rather have me give up. I have also explained to the customer service representatives that I would not be able to afford the full payment until I was done with my graduate work. I was basically told " let the loan default and then you can work with the collections department, they may have additional programs ''. 

The school that the loan was taking out -- & gt ; XXXX, XXXX, XXXX school that I am enrolled in for my XXXX degree -- & gt ; XXXX, XXXX, Delaware

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My name is XXXX XXXX and I work at XXXX XXXX XXXX. I am writing this with XXXX XXXX who is a client of mine. XXXX is XXXX and has a difficult time understanding XXXX, so she has asked for me to help her. XXXX had some certificates of deposit with US Bank from XXXX that she wanted to withdraw. XXXX went to the US Bank locations in XXXX XXXX and XXXX XXXX XXXX. XXXX states that both locations did not help her or show her what happened to these funds. It is possible due to XXXX 's age that these funds have been withdrawn, however US Bank. When she went into the US Bank locations she was told they do not have record of those certificates. XXXX would like to see proof of what happened to these funds. Whether they were withdrawn or transfered, she believes that she should be shown a statement or some sort of proof instead of being told they do n't have those records. We did contact US Bank over the phone to inquire about this and were told that this information could only be completed in one of their offices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile check deposit on XX/XX/XXXX in the amount of {$230.00} to my chime checking account as my direct deposit has not been set up. 

after 7 Days, Chime is telling me they need more time to deposit it even though the law states a max check hold of 7 days total. I was told the money will not be in my account till the XXXX so chime is holding this money hostage for 11 days total. 

Another deposit i made tonight in the amount of {$360.00} via the same deposit method also stated till the XXXX to get this new deposit. I spoke with a representative at chime the other day who told me it was just a random check and that there wouldnt be any issues like this again but immediately they have broken that promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Amerihome Mortgage XXXX XXXX XXXX XXXX SC XXXX XXXX Company Headquarters XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Good Day, We have had our mortgage through Amerihome since XX/XX/2020. They paid our insurance premium in XXXX of 2020. We later received a letter saying that our home owners insurance wasn't paid. Our insurance company sent them proof that we had insurance as well as a copy of the check that Amerihome sent to our insurance company to pay for the home owners policy. We got another letter this week stating that since we currently do not have home owners insurance they have purchased it on our behalf. It is nearly three times what our current policy charges. Once again our insurance company reached out to Amerihome to prove that we already have insurance and that it was pain in full in XXXX. Our insurance company ( XXXX XXXX ) has kept records of all the correspondences with Amierihome as well as copy of the check they sent to pay for the policy. 
When I spoke with XXXX XXXX, they said this was the second time that day they had the same issue with Amerihome from another policy holder and that they have had the same thing happen with Amerihome quite frequently. It's my concern that they are issuing home owners insurance in a fraudulent manner. As well as taking money from their clients escrow account without permission. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: First Data Corporation
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I currently have mobile service with XXXX and generally pay my bill through my checking account. On XXXX/XXXX/2017 I attempted to pay my bill using a new checking account open in XXXX was informed by XXXX that my checking account was not approved to pay my bill. XXXX informed me the TeleChecks was responsible for denying the use of my checking account. I contacted Telecheks at XXXX and was informed through the automated system that my checking account was denied because of several returned checks. I knew this was not true because I had never written a check on this account. I spoke with a representative at Telechecks who stated that XXXX XXXX XXXX provided the information regarding my checking account. When I asked when XXXX XXXX XXXX provided this information the rep refused to tell me. He then stated that my social security number and date of birth matched an account that was in a past due status that was in the sister cmpany 's data base know as First Data XXXX. Instead of fixing my problem with my XXXX bill I was then transferred to First Data who then asked me for payment. I asked them who authorized the sharing of my personal information between the companies and they told me that XXXX authorized First Data and Telecheck to use information in their client data to match up with any past due accounts they my have. I told them that I did not authorize XXXX to do this. I called XXXX who denied this and stated they have no relationship with First Data and that Telechecks is only to be used to process payments. I contacted First Data and they stated that my information was sent to the original creditor for collections purposes. I received a notice from XXXX a few days later requesting payment on an old account that is past the the limits of collections. First Data illegally retrieved my information and is using Telechecks to seek out clients information that may be past due. Because of this, when I attempt to use my checking account to pay my bills I get denied because of Telecheck and First Data. First Data stated that they will not remove the hold until I pay them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX is reporting uniformed information to my consumer report dated XX/XX/2017. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.

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 2015-10-06
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
Product: Credit card
Issue: Other

Complaint:
This complaint is in regards to my First Bankcard Account through Omaha Bank. I make automatic monthly payments through my bank electronically. XXXX XXXX I was notified that my account was closed by the grantor for late payments and being over my balance. I made payments every month, however due to the company 's billing cycle dates they recieved one paymetn 2 days early making it look like I made2 payments in one month and none the next. I was assessed late payment charges and interest which brought my balance over my limit. I called the bank and called to their attention the fact that I made payments every month with one month being 2 days early and requested them to have the account reinstated since I HAD NO LATE PAYMENTS. I got no satisfaction. This has damaged my credit rating because it is reporting a late payment and that the grantor closed the account making it drop XXXX points. I requested that my account be reinstated and the reporting to the credit agency to be corrected which the bank is refusing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
i need to file complaint against macys credit held by citibank. they are charging me for promtional accounts that i do not have items for. i have call multiple times to have my account review and adjusted properly. all i been told is to speak with mangers, or someone will call me back, also i have been told that my account will be fix within 72 hours. and all this has been since XX/XX/XXXX. and nothing has been review. my monthly is due XX/XX/XXXX for the amount {$210.00}, last supervisor i spoke with said i have to paid it while my account being review. i told her no! i will not pay til everything is fix. also its frustrating when the calls are being route in another country and they dont understand me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Payoff process

Complaint:
I defaulted on my Citibank credit card 3 years ago. I have contacted Citibank multiple times to pay off the account but they can not find my information anywhere but are still reporting it to the credit bureaus. It came to the point where someone from Citibank told me to dispute the account with the credit bureaus and see if that would trigger a response to verify the account. The account was removed from my transunion report but was verified on the other XXXX reports. I then called Citibank again and was transferred multiple times and still nobody could verify me or my account and as far as they were concerned I was nowhere in their system. I was also told by Citibank send a fax explaining everything and attach a copy of my credit report for their dispute department. They have not responded. I am not trying to get out of the debt and want to pay them but since I do n't exist to them for whatever reason I ca n't. I am trying to apply for a home loan and this mark is holding up the process. Thank you.

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 2015-09-21
Company: Mercedes Benz Financial Services
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XXXX payments that were made towards my Mercedes lease were applied to mileage overages on a previous lease instead of the current lease. I have contacted Mercedes Financial Services on several occasions and have been unable to get the problem corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2015 I was induced in opening a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX Miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX Miles to be deposited into my account by the XXXX XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited in XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting the XXXX XXXX Miles. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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