BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-14
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Constantly being steered toward forbearance instead of IBR. I 've never missed a payment, been paying about 5 years. Over the last 5 years I 've learned this company is incredibly difficult to communicate with, and when you do get someone on the phone they are often not knowledgeable and less than helpful. However, the most recent customer service issue is why i 'm writing this complaint. I reapplied to IBR again ( no thanks to Navient ) about a month or so ago. I received confirmation that i had completed the application and also received an email stating my new payment.This morning I got another email from them stating my payment would increase soon? They had not in fact processed my application. When i called to get it straightened out the rep once again just tried to steer me into forbearance without even mentioning that it would cost me even more over the long run. they 've done this multiple times and i had to learn the hard way that forbearance is not just a " break '' from payments but actually costs quite a bit over the life of the loan. The rep was little help, telling me the IRS must have been down when i submitted my IBR this year ( not what they 're email to me says ) and i would need to send my stuff back in, and cross my fingers that it will " process '' by the time my next payment is due ... or just go into forbearance. It is little wonder why these guys are being sued for pushing that option. I asked to speak with a supervisor. I was told none were available, but they can call me back when they are available. All day long i waited on a word from a supervisor at Navient ... nothing. Not that i 'm surprised based on the level of customer service I 've received from day one. However, i think it should be noted that these guys are actively pushing people into forbearance options while making it sound like its no big deal ... and they 're customer service is the worst. I mean, literally, the worst. I have never gotten to the point where i expect soooo little from a company and they still manage to disappoint. hats off to you Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: XOOM CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good Day, My name is XXXX XXXX, New Jersey, XXXX. 
I am complaing Xoom Money Transfer Company ( A XXXX COMPANY ), XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX, Phone : ( XXXX ) XXXX for delaying these 2 specific transactions # XXXX and # XXXX. 

Those 2 transactions were initiated on XX/XX/XXXX and XXXX XXXX and up to NOW its still on DELAYED STATUS, " VERIFYING RECIPIENT 'S INFORMATION '' While these 2 transactions status are DELAYED, the funds were already taken out of my XXXX XXXX a couple of days after they were intiated. And up to now, the money xoom took from my bank is not with my recipient nor with me for an extensivle long time and did i try to email them TWICE and no one will respond to my email to explain why this is taking so long and them holding my money from me and from my recipient. I have sent MULTIPLE MONEY TO THIS PERSON prior to these transactions and they all went thru very quickly With no delays and I even sent MULTIPLE MONEY to the same person AFTER THESE 2 DELAYED TRANSACTIONS and they even went thru first. 

I have tried contacting XXXX XXXX to ask if they know what happened to my money, XXXX said the money were extracted by xoom and XXXX cleared it so XXXX did complete their end and do not know what happens after that, but XXXX confirmed to me that XOOM SUCCESSFULLY EXTRACTED THE FUNDS. 

I ALSO contacted my recipient asking if xoom has contacted her to " VERIFY '' her account and xoom NEVER REACHOUT to her to and give her status nor updates nor nothing about the money. 

I am frustrated, its pandemic and xoom is holding my money from me with no representitive from xoom to explain what is going on. No phone calls, no response to emails NOTHING. MY MONEY IS WITH THEM, NOT WITH ME, NOT WITH MY RECIPIENT. 

Please CFPB, I really really really need your help. I am a nobody in the face of xoom so i need somebody ( CFPB ) yo help me get answers from them for why they are holding my money AND NOT RESPONSING TO OUR inquiries about delayed transactions that need confirmation OR verificiation out of the blue, even arfter MULTIPLE MONEY TRANSFERS TO THE SAME PERSON BEFORE AND AFTER THESE 2 DELAYED TRANSACTIONS.

Please Madame/Sir from CFPB, help me. 

And I thank you in advance CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: Santander Consumer USA Holdings Inc.
State: NV
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:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and XXXX XXXX. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information CHRYSLER CAPITAL is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX XXXX CREDIT REPORT : ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE-ACCOUNT TYPE INACCURATE { SHOWS AUTO LOAN & INSTALLMENT } ACCOUNT BALANCES- INACCURATE PAYMENT STATUS- INACCURATE SHOWS CURRENT XX/XX/XXXX ON XXXX AND THEN XX/XX/XXXX SHOWS CURRENT, WAS PAST DUE 30 DAYS, AND ON XXXX SHOWS PAID OR PAYING AS AGREED PAYMENT HISTORY- INACCURATE REPORTING { IN XX/XX/XXXX SHOWED NO 30 DAY LATE PAYMENT FOR XX/XX/XXXX, IN XX/XX/XXXX IT NOW SHOWS A 30 DAY LATE PAYMENT FOR XX/XX/XXXX. 
TERMS- INACCURATE ... REPORTING 86 MONTHS CHRYSLER CAPITAL was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that CHRYSLER CAPITAL complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
All three companies ( XXXX, XXXX, TransUnion ) demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the XXXX breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this.
XXXX made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?

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 2022-09-12
Company: Stellantis Financial Services US Corp.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving harassing calls and visual voicemails from XXXX XXXX at First Investors XXXX for a XXXX XXXX who is apparently using my number to obtain fraudulent debts and attempting to evade said debts. However, I do not know this person, as this is a new number I received from XXXX a year ago when trying to resolve similar issues with XXXX  wherein I received harassing messages from creditors and even suppliers from a methadone clinic for a former XXXXXXXX  subscriber. I have reported to XXXX on several occasions the issues with the harassment from creditors on their recycled lines. XXXX  has attempted to resolve the issue by alleging that the Scam Caller ID option available through their service would prevent this, but it does not prevent the harassment. Instead, this service only sends the harassing calls in violation of TCPA and FDCPA to my voicemail, so I continue to receive the harassing visual voicemails. I receive at least one per day, and this has been going on since XXXX of this year. It is now XXXX, so the calls are incessant and will not stop. I tried to call the number back, but I can not reach a live human being to request a cease and desist. The robo-dialed service instead then verifies as if I am the debtor calling and continue to ensue with more harassment. XXXX has failed to protect me. The National Do Not Call List has failed to protect me. I have filed a complaint already with the FCC. My next step is to file a complaint with the Illinois Attorney General against XXXX for failure to block this harassment.

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 2021-05-13
Company: EQUIFAX, INC.
State: MI
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:
I took a copy of my credit report on XX/XX/XXXX from XXXX. I have seen 2 inquiries on my account from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Mo XXXX, XXXX ) requested on XX/XX/XXXX and from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX requested on XX/XX/XXXX I did requested nothing from both of them, also i didnt give my premisson to someone else, to use my information or to try to do something else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Problem with personal statement of dispute

Complaint:
Consumer Statement of Ongoing Dispute to Be Added to My File

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX    XXXX    XXXX   XXXX   XXXX  opened date is  XXXX  this item I 'm not aware of was just given  to King Credit Services ad ded  XXXX  then given to   XXXX   and sent to  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Almost 3 years ago, I was robbed. The person/people who robbed me stole my ID, credit cards, etc. I've been going through hoops with the credit reporting agencies to get these things off my reports. So, I was told to contact you guys and ya 'll would help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In Late XXXX, XXXX I contacted Barclays to check on an ongoing research and recovery of my account information by Barclays to possibly reach a settlement on my XXXX Extra point reward card ( XXXX XXXX ). I spoke with XXXX in the collections department He told me congrats that settlement offer agreement went through and he gave me the details of the agreement such as 3 lump some payments of XXXX to be sent in starting on XXXX XXXX, XXXX XXXX and XX/XX/2021. XXXX told me also that my settlement letter will be mailed to me I asked for an email as well. I felt good since I had followed what the Federal Trade Commission recommended to settle directly with my creditors. So now I made the first of three payments on time and it is XXXX XXXX. And. Barclays still has not sent me my copy of the settlement offer agreement letter. I am told that the settlement is in place that it is a computer glinch and not to worry. But I am worried because all other creditor I settled with sent the letters and I want to make sure that I am protected against deceptive collections practices by the Federal Trade Commission. I just want the letter And the settlement that I am promised on their recorded phone lines. I want resolve between me and one of my good creditors. Thanks

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 2022-09-12
Company: EQUIFAX, INC.
State: OH
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:
These errors where sent on numerous of times and nothing has been done. I have sent letters to each company as well and nothing was even responded to. I have to seek and go the legal right I will. I have been reaching out for 6 months now. Also I sent a complaint through here On XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Since XX/XX/2021 I have been sending letters and calling the credit bureau TRANSUNION to request them to remove 51 inquiries and 5 collections accounts that have been fraudulently done. In XXXX they said i need to submit a police report. I went to the police department in XXXX New York and made the report and the police sent me a conformation of the report. I have sent them that report by USPS 17 times along with copies of my driver 's license, copies of my social security and a list of the inquiries and collections. I never got a response from them. First they ask me to give them the ID number for the detective that is handling the case. I did that and gave them that ID number of the detective. Then they wanted me to send them copies of the police report that is handling the case and I sent them that information. I sent them everything they requested and now they want me to send them a report with a list of all the inquiries that I want removed. But I sent them the list already because on the police report, they didn't validate that information. I called the police department again and asked them to send me a list of the inquiries. The detective XXXX told me that the report was already done that way and they have to accept it that way. I spoke with a supervisor at TRANSUNION this morning and he rudely told me that they will not validate that police report. And they are going to leave the inquiries and accounts on my credit report even though I have proved to them that they are not authorized by 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 explanation
Consumer complaint received 2021-10-29
Company: CHECK INTO CASH INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
So I went in to the cash check cashing place with a check I had from XXXX XXXX, I dont bank with XXXX XXXX anymore but I used to. I had a check for about {$140.00} something dollars I might be wrong on that but I dont even have a copy of the check they are referring to. The lady behind the counter called XXXX XXXX to verify after a 30 min wait she called me up gave me my money and I was on my way. About a week passes and the same lady calls me and she tells me that the check bounced and without explaining to me anything else or letting me speak she begins to tell me if I didnt take the money right there and then she was going to call the cops at that moment and have me arrested. I began to tell her I didnt appreciate the tone or the contents of her communication torwards me as I went into that business like anyone else payed my fee which makes no sense why they are asking me to pay twice now. ( {$160.00} ) I have that ladys whole rant in an audio recording and I can provide it I just need help to where I should send it. I was harrassed, and stressed by her actions. In part I feel like Im not responsible for the check bouncing being as how she called XXXX XXXX and was told it was good, I think she should go after XXXX XXXX for that money. I have tried to contact XXXX but I dont know exactly what they told her as I havent been able to reach through ... the other side of me thinks if I do have to take responsibility for it then that would make sense if again the lady that called me wouldnt have harassed me the way she did. Aside from everything she said to me which was completely illegal, now I have this letter from collections because of her! Nobody from her company has called me to figure this out with me and I was told someone would. I honestly want to counter sue because I did NOTHING wrong here besides go cash a check that was verified to be good. Their business practices are illegal Ive made myself completely available to help them collect the money from XXXX. I feel completely disrespected and I will stand my ground here like I said I have an audio recording. And Id like to counter sue for their actions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account named XXXX XXXX appeared as first an inquiry on my credit. It alerted me that someone had my info. I immediately put a freeze on my credit, wrote to them, called them, contacted all bureaus and filed police report. The company themselves useless. I get equifaxs results saying they wont delete it. They are saying its mine! Its not mine. Police have persons name and address who did this to me. I want this permanently removed. My score went down drastically and Im not paying for fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On   XXXX   XXXX  , 2017, I went to the   XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX  branch of Citizens Bank of Pennsylvania ( hereafter, Citizens Bank ) and opened a Clearly Better Business checking account. I worked with a bank representative to open this account. During this process, I explained to the representative that I did not want overdraft protection. I understood that Citizens Bank could charge fees for paying my overdraft charges, and I did not want to pay these fees. I was told by the representative that my account would be configured such that overdraft charges were not paid, and therefore no fees would accrue.
On  XXXX / XXXX /2017, Citizens Bank paid a charge to my account that resulted in an overdraft fee of {$39.00}. Subsequently, on  XXXX / XXXX /2017,  XXXX / XXXX /2017 and  XXXX / XXXX /2017, Citizens Bank charged Sustained Overdraft Fees of {$30.00} each, for a total of {$120.00} in fees following a single overdraft event. I can provide screenshots of my Citizens Bank online account homepage to substantiate this.
My complaints are as follows : 1 ) Citizens Bank intentionally misled me during the opening of this account. I was told no overdraft service would be provided, and no corresponding fees would be charged. This was false.
2 ) Regardless of whether Citizens Bank agrees with # 1, above, Citizens Bank violated its own terms when charging Sustained Overdraft Fees. On page 9 of the Business Deposit Accounts Fees and Features document provided to me when I opened my account, under the Sustained Overdraft Fee heading, the document states, If your account remains overdrawn for 3 or more consecutive business days, on day 4 we will start to charge a Sustained Overdraft Fee of {$6.00} per day for each day it remains overdrawn up to a total of {$69.00}. The Sustained Overdraft Fees that Citizens Bank actually charged are not calculated in this way ( the {$6.00} fees that Citizens Bank claimed it would charge can never multiply evenly into the {$30.00} fees that Citizens Bank actually charged ). Further, Citizens Bank has thus far charged a total of {$90.00} in Sustained Overdraft Fees for a single overdraft event, far exceeding the stated cap of {$69.00}. Citizens Bank has therefore violated the terms governing my account, as stated in the document that Citizens Bank itself provided to me at the time I agreed to open the account, in an intentional effort to defraud me out of additional monies.
3 ) Citizens Bank did not inform me via USPS mail or email that an overdraft had occurred, or that Sustained Overdraft Fees were accruing. I only realized this because I logged into the Citizens Bank website for an unrelated purpose. Citizens Bank intentionally did not notify me of an overdraft in an attempt to maximize the time until I could resolve the overdraft during which time the bank could continue to accrue fees for itself.

Company response to consumer: Closed with explanation