BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been making payments toward loans that I believe qualify for the public service loan forgiveness program since 2011 through the income-based repayment plan. My loans were recently moved to fedloan servicing ( https : //myfedloan.org/ ) last year after I submitted verification of employment at not-for-profit hospitals since 2011. I have been waiting 13 months for fedloan servicing to count the number of payments that qualify for the 120 payment requirements of the PSLF program. Every time I call to discuss a time-frame on how long this will take, they keep giving me the same answer " we don't know. '' This is completely unacceptable.

If fewer than expected number of payments qualify, then I need to consider refinancing ( current interest rate is 6.75 % on a >300,000 ) and every month that passes that does not result in a count I can make an educated decision based on is another month of astronomical interest added.

I dont think this is unreasonable to ask this to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: MN
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 XXXX XXXX  Account # XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXXt Account # XXXX have 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 2020-11-27
Company: Experian Information Solutions Inc.
State: AL
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:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account # XXXX {$160.00}, {$160.00} {$160.00} {$120.00}. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 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 2020-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Wells Fargo received the paperwork needed for forbearance in due course but instead of processing the paperwork, the phone rep told me they required a payment to process it ( I could not pay due to financial hardship ). Wells Fargo chose not to process the forebearance and illegally sent the loan back to XXXX. Collections charges have mounted from this illegal act. 

I have since informed XXXX  of this issue and they failed to acknowledge it. XXXX proceeded to sell my loan to XXXX and did not inform XXXX of the issues surrounding the loan. XXXX has now sent the loan to the US Department of Education. 

Wells Fargo has since written this loan off as bad debt and resolved the account. XXXX and XXXX have no claim to this loan.

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 2021-06-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Was called by a private number several times, the last time occurring on XX/XX/XXXX, that said they were collecting on a debt on acquired from Wells Fargo for overdraft fees from XXXX account. However, I did not have an account with Wells Fargo in XXXX. 

I did have an account with Wells Fargo in XXXX but closed it 1-2 years later in good standing due to their terrible business practices. I've never used them since. I was never contacted by Wells Fargo about this, they are the first to make such accusations about me. 

They said they are serving me papers and suing me for the amount of {$1300.00} and I would incur additional costs for legal fees resulting in more to be owed. They claimed they could not provide me with any information about debt to be collected. 

They said they were using a company called XXXX XXXX to serve the papers. The number they gave me to call was XXXX and a report number. Which I can provide if you need it.

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 2015-12-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Bank : Chase Bank Type : Business Checking Account number : XXXX In XXXX 2015 XXXX fraudulent checks were written on my business account. We contacted the bank immediately we noticed the XXXX fraudulent checks and gave them the XXXX checks information. We were advised to close the account which we did and we were assured that the monies will be refunded. Months later we noticed that only XXXX of the XXXX checks were refunded. We called the bank to find out why the checks for the amount of {$640.00} and {$570.00} were not refunded. We were shocked to be told by chase bank that we should have inquired about the status of the refund for the remaining XXXX checks within 60 days even though we filed the complaint for the XXXX checks within their required 60 days from the day the checks were cashed. For this reason they denied the claim for refund. Chase bank is now saying that not only should we have filed the complaint in 60 days which we did but we are also responsible for making sure that the claim is completed in 60 days. If a claim extend beyond 60 days and someone inquires about it, then the claim is denied. I think this is unfair business practice.. 
Please kindly look into this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: CL Holdings LLC
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:
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: MoneyLion 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:
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a real estate development company. Regularly deposit and make payments in the {$10000.00} to over {$100000.00} range. I use A Truist account for all disbursements even though I have a real estate development loan with another bank. Friday XX/XX/XXXX I deposited an {$80000.00} check from my account at XXXX XXXX into my account at Truist. Truist places a {$73000.00} hold on my account till XX/XX/XXXX. 

XXXX is happy to provide proof that the check is covered. They can not stop payment on the check since it has already cleared. Truist is unwilling to lift the hold. They have stolen my money over the XXXX holiday so many vendors go unpaid, my project is stalled and I incur finance charges and have to deal with upset purchasers, investors and vendors. 

There is apparently no way to cure this administrative hold. There should be.

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 2022-05-06
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX my account was frozen and was unable to transfer funds sent to me for emergency situation.Venmo did not give me a reason for the freeze and said it would be XXXX - XXXX business days I would receive a email.On XX/XX/XXXX received a email that account was unfrozen so then I tried to do a instant transfer and was unable to was told it would be another XXXX business days I would get a response. So I did a standard transfer and today is XX/XX/XXXX and the transfer still has not posted so I called and the ageant said it was under review and could not give me a reason why so again the funds are on hold again so no it's been over a week and won't see the funds till possible Monday with no answer why. I believe the reason is Venmo does this to millions of accounts and pools the money into a account and collects the overnight interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with this company, and the debt is not mine I'm a XXXX and this does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: SUNTRUST BANKS, INC.
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 I made an electronic check payable to XXXX XXXX XXXX of XXXX for {$52.00}. The check was found to never have reached them and it was discovered through Suntrust the charge was not authorized. ( See attachment Proof of fraudulent check ). 
Then Suntrust proceeded to credit and debit me the {$52.00} which had no effect to me receiving a refund and charged me a return item fee of {$12.00} on top of that ( see attachment return item fee showing my checking activity. 
I had to pay XXXX XXXX XXXX the {$52.00} last month since they never received payment so altogether I 'm out {$62.00} for a fraudulent check that Suntrust admits was not authorized. When I called their Dept of Fraud Prevention and Claims Escalation at XXXX they said the case is closed on their end and offered no remediation of the funds and the return fee. I can be reached to discuss this further at XXXX Sincerely 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 2022-12-19
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I AM XXXX XXXX XXXX, AND MISLEAD. I HAVE A BILL OF EXCHANGE THAT I WAS TRYING TO SUBMIT FOR LEGAL TENDER AND THE MANGER WELL HE CLAIMS TO BE THE " HEAD MANGER '' OF REGIONS BANK AT BRANCH LOCATION IN XXXX, XXXX. HE SAID HE WILL CALL THE POLICE ON ME, HE MAKE XXXX TO XXXX A YEAR AND I HAVE NO RIGHT TO USE LEGAL TENDER. ALSO STATED THAT HE WILL CALL OTHER BRANCHES AND HAVE THEM PUT ME ON LIST NOT TO OPEN AN ACCOUNT UP WITH THEM. HE IS GOING AGAINST MY RIGHTS A XXXX GIVEN PERSON AND CONSUMER LAWS. WHEN XXXX WAS PASSED WE THE PEOPLE BECAME COLLATERAL TO USA DEBT THE REMEDY FOR XXXX THAT WAS ALL DEBTS ARE PAID BY THE USA, AND LEGAL TENDER IS NOT IN CIRCULATION BECAUSE ITS NO GOLD BACKING THE DOLLAR ITS JUST PAPER. THE MANGER CUSSED, YELLED AND SCREAMED AT ME FOR NO REASON ON TOP OF HIM NOT EVEN MEETING ME NOR SEEN MY BILL OF EXCHANGE. HE SNAPPED ON MY OVER THE PHONE AND REFUSED SERVICES CAUSE XXXXM TRYING TO GET A CAR USING LEGAL TENDER. AS I STATED ON THE PHONE IF I MAY BE MISLEAD PLEASE CORRECT ME BUT HE DID NOT EVEN WANT TO MEET WITH ME TO SEE WHAT IS IT THAT I HAVE. I DO EVERYTHING IN GOOD FAITH AND STANDING. IM JUSTA PERSON WHO IS LEARNING AND SEEKING HELP. HE ALSO WAS HANGING UP ON ME BACK TO BACK AND I HAD TO CALL BACK JUST TO GET HUNG UP ON. I HAVE WITNESSES THAT WILL TESTIFY IF HAVE TO THAT THE MANGER OF THIS BANK WAS VERY DISGUSTING WITH ME FOR NO REASON ALL BECAUSE IM TRYING TO DO LEGAL TENDER.

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 2022-08-04
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed a truist account at least two months ago, I cant remember the exact date. I had opened the account on XX/XX/XXXX and closed it shortly after mom died in XXXX. I had opened a joint account it to help her since she had XXXX. About a month later i no longer needed the account since my main bank is XXXX XXXX. I closed the account at truist over the phone and asked them to send me a cashiers check for the {$400.00} or so odd dollars that was in the account. To date I have not received my money and have had 6-7 interactions with them mostly on the phone but once at the branch in XXXX XXXX XXXX XXXX XXXX. They have told me time and time again that it is coming and after they determined it might be lost on XX/XX/XXXX they said theyd escalate it but as of today, after another interaction with customer service they still can not tell me when Im going to get my check.

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 2015-12-09
Company: Paypal Holdings, Inc
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Hello, I am writing to complain against PayPal Inc for purposely limit my account and hold my fund from being accessed. 

On XXXX XXXX, I wrote an complain against PayPal for loading money into my account using PayPal cash card. The problem was solved yesterday ( XX/XX/XXXX, XXXX ) and I was able to loading fund into the specified account. Since PayPal has a limit for loading money everyday using cash card ( {$500.00} per day ) and I have XXXX cards for {$1000.00}, I need two days to finish loading ( yesterday and today ). I loaded the XXXX cards this morning, and wait for the fund to be settled ( according to PayPal, it requires one day ), and several hours later just after my loading, I received an email says my account was locked. It shows apparently that PayPal purposely let me load the money but lock the fund immediately after that before I even have a chance to use it. I called customer service to request my funds back but was told to wait for 45 days for no reasons. This is what had happened. Thank you! 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My husband and I have been fighting to get a tax lien to reflect a paid status through Experian. We have sent proof of payment and a letter from the court. We 've worked hard to payoff our debts and deserve what is fair. The balance as of XXXX/XXXX/16 is still showing " Filed ''. 

They refuse to do this simple task for us. 

Please help

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 2022-05-06
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed two online disputes with XXXX, as they are reporting a mortgage account with JPMCB - XXXX XXXX that was paid and closed on XX/XX/XXXX. XXXX claims to have performed an investigation, yet the closed account still remains on my report. And, XXXX updated the " Last Reported Date '' to XX/XX/XXXX, which they are using to say that the account will continue to be reported for ANOTHER 9.5 years, until XX/XX/XXXX. 

I contacted JPMCB - XXXX XXXX via phone during standard business hours on multiple occasions and was told each time that their mortgage lending associates were unavailable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Our vehicle was seized by the MN State Highway Patrol back in XXXX XXXX. 
We settled with XXXX XXXX, the company our original loan was through, on XXXX XXXX, XXXX. 
XXXX XXXX was bought out by Santander Consumer USA and they finally marked our account as closed XXXX XXXX, XXXX. But they are still reporting us on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Convergent Resources, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  credit report of mine shows that a company by the name of   CONVERGENT  XXXX , INC   .is stating i have  a collection account with them on behalf of   XXXX   XXXX   in the amount of {$280.00} and the account was opened on   XX/XX/XXXX . I h ave never authorized an account with  XXXX   XXXX  or had any type of service with them. they have deleted the account from my   XXXX   credit report on   XX/XX/XXXX  a nd from another company  XXXX ,  XXXX    XX/XX/XXXX .    XXXX    stated I need to contact them which I already have and I was told I have never had an account with  XXXX   XXXX . If this is the case then why are  XXXX  different companies coming after me then being deleted now back on my credit report?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: SANTANDER HOLDINGS USA, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my report I do Not recognize. I did Not authorize inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Social Finance, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for a personal loan with SoFi Lending and was approved. Their disclosure process is not clear or upfront which leads me to believe it is not legal. After I signed loan documents it was disclosed to me that the loan would not be funded for up to 30 days and have been told I wo n't be given an exact date for funding. It should be disclosed upront that funding does not occur for 30 days. This should occur in the disclosures before applying. This leads consumers to making decisions on applying for a loan that are flawed and present Dishonest Services to the consumer.The loan is a fixed rate loan and the loan documents indicate a payment based on a specific interest on a 30 day cycle with the first payment XXXX/XXXX/2016 this leads me to believe I will be paying interest on funds that have not been disbursed to me. How can a consumer be provided with loan contract with scheduled payments with a commencement date with automatic withdrawals and no date for disbursement until after you agree to the terms?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I Identified information on my report that are a result of identity theft. Please remove personal information That i do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violation of my federally protected consumer right.

Please See Attachment

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 2016-12-15
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An account is on my credit report that I do n't know what it is it 's hurting my credit and they do n't have proof that this account is mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation