BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: MoneyLion Inc.
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
MONEYLION IS SCAM, THEY LOCKED MY ACCOUNT FOR 2 YEAR. 
I SEND ALL DOCUMENT THAT THEY ASK ME FOR RESTORE FULL ACCESS. 

AFTER I SENT ALL DOCUMENT, THEY SEND ME A LETTER ABOUT THE ACCOUNT WAS CLOSE. 

THIS ARBITRARY DECISION IS NOT MADE ME FEE CONFORTABLE. 

THEY CLOSE THE ACCOUNT AND THEY HAVE MY MONEY. 

I WANT MY MONEY WITH ME NOW. 

I DONT WANT USE THIS COMPANY. ANYMORE, MANY PEOPLE HAS SAME PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: LOAN TO LEARN
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a defaulted student loan through Loan to Learn. A recent hit on my credit report indicates that this loan is in collection ; however, there is no contact information listed for the collection agency. The loan amount is listed as XXXX with a balance owing of XXXX and outstanding balance of XXXX. Further, the only contact information listed is the original lender Loan to Learn for which the phone number is out of service and the website for which has not been updated since XXXX. The address listed is XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Virginia zip code of XXXX. The out of service phone number is XXXX. No collection agency has made any attempt to contact me regarding this debt, though they are reporting the balance as outstanding through credit reporting agencies monthly since XXXX XXXX. As such, I have no way to rectify this debt. I have no company to contact through phone, email or website. I have no ability to dispute the debt amount or to confirm the origins of said loan. My credit report is suffering and I have to way to make this right. Please let me know what will be done in response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Radius Global Solutions sent me a false and deceptive letter attempting to collect an alleged debt. The alleged debt is not validated. The alleged debt is listed as a positive number. I have no relationship whatsoever with this company. 

Where does this alleged debt claimed by Radius Global Solutions fall under Ucc 9-11 under Article 2 or 2A?

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 2022-10-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Online deposit system processed several checks and correctly rejected checks for deposit that had already been deposited, however system failed to recognize two checks already deposited, and were later corrected by the system and reversed. The bank has arbitrarily charged {$12.00} per error their system caused for a total of {$24.00}. Chase bank personnel and management have refused to acknowledge their system error and refund the {$24.00} charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Good Morning. My name is XXXX XXXX. I received an email stating that Chase was closing my Amazon Visa signature account. I have attached a portion of the letter. 

The only account with a high revolving balance is my XXXX XXXX Card. I use that card religiously and pay it a lot each month. My other cards are under 30 % The only requests for credit pulls is Chase pulling my credit 3 times within a 30 day period. I have never not paid my bill at all. This account has been opened for less than 30 days. CHase pulled my credit on XX/XX/20, JPMCB pulled my credit on XX/XX/20, and Chase pulled my credit on XX/XX/20. My score on XXXX  is a XXXX. It would be higher if Chase didn't pull my credit 3 times in a month. I don't know why XXXX XXXX takes so long to update but my balance with them is XXXX. 

I feel that the review is unfair and I am not happy about it at all. I feel like Chase just wanted a reason to close the account and discriminate against me. I would like this decision reconsidered seriously. I tried to call the reconsideration line and it wasn't open. I haven't even gotten my first bill yet in order to pay it and prove myself. 

I was planning on going into the branch on Monday and open up a business account so that I could establish my business with Chase. I am not sure if I will do that right now. I am a bit stunned that this is what I woke up to. I came to chase because my parents have a mortgage with you. My mom has a card with you and I am an AU. I have been wanting to get in the door and this is a beginner card with me. XXXX and XXXX have been better with me and have treated me fairly and right. They haven't done this to me at all. Yet Chase closes my account. Someone from the Reconsideration line had me on the phone for almost an hour to get this account approved. They looked at my balances and everything. Same for the temporary credit limit increase. THis isn't right. I take care of my credit. I have worked hard to get to this point. Any company is lucky to have me because I use my card, I pay my balances, and I pay way before the due date. I take my responsibility very seriously. 

I appreciate this being rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I applied at XXXX XXXX XXXX today XX/XX/19 and when they called me back to tell me if I passed the credit check I was told that I did not qualify to rent there because I had several inquiries and accounts in negative or below average standing. I had no idea about these accounts because none of them belong to me. I did not open any of these accounts/inquiries nor did I give anyone permission to open them in my name. I have already filed a police report regarding these suspicious accounts on my report. I did not benefit anything at all from these accounts nor did I take part in any purchases or payments towards any of the accounts. I have never had any type of relationship or contract with any of those companies.

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 2019-12-03
Company: Experian Information Solutions Inc.
State: CA
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:
I applied at XXXX XXXX XXXX today XX/XX/19 and when they called me back to tell me if I passed the credit check I was told that I did not qualify to rent there because I had several inquiries and accounts in negative or below average standing. I had no idea about these accounts because none of them belong to me. I did not open any of these accounts/inquiries nor did I give anyone permission to open them in my name. I have already filed a police report regarding these suspicious accounts on my report. I did not benefit anything at all from these accounts nor did I take part in any purchases or payments towards any of the accounts. I have never had any type of relationship or contract with any of those companies.

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 2017-01-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a consolidated student loan with Navient and fall under the lawsuit filed against them by the federal government in over charging interest rates and hiking payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 Citibank advised that they were closing my account. They advised the account would be closed within 60 days from XX/XX/2022 and that a check would be mailed to me for the balance in the account. The balance in the account of {$1000.00} still has not been mailed to me. I called Citibank and advised them I wanted my money back. They said they still had another 30 days to actually close my account. I would like my money back from my account.

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 2020-04-04
Company: Experian Information Solutions Inc.
State: CA
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 am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by Experian. Experian said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for Experian. Even XXXX  ( XXXX to the Banks and XXXX to me ) and XXXX XXXX ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid Experian to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach Experian, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?

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 2020-04-19
Company: Experian Information Solutions Inc.
State: MD
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 have disputed information on several occasions with the three major credit bureaus. One minute they delete the information the next minute they are reinserted back on my credit file, and displaying wrong information. Below are the items that I have disputed before and have been deleted and " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are also several inquiries on each of my reports stating I gave permission for my credit to be ran for a new car in XXXX XX/XX/XXXX. I walked into XXXX XXXX  with a letter from my Credit Union with how much they would finance. I never gave permission for them to run my credit through anyone else my vehicle was already done. Each of them state " The inquiry was of Factual Record, whose record? the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1. XXXX This is a fraudulent account 2, XXXX XXXX XXXX. This account was deleted, it also had a message saying that this account was due to Natural Disaster or Emergency, deleted from all three bureaus, in XXXX and XXXX only to be reinserted. They refused to go back and disputed again ( All three bureaus state they will not dispute again. 

3. XXXX XXXX Was deleted and reinserted due to unverifiable information and fraud. The Credit Bureau ( Experian and XXXX  ) Refused to re dispute stating it was frivolous but deleted from XXXX. 
4. XXXX XXXX This account information is incorrect it was opened XX/XX/XXXX, and was deleted because of fraud. 
5. XXXX XXXX. This account was deleted in XXXX when I had a lawyer go after them, only to be reinserted. Experian won't re dispute they have not come back on XXXX or XXXX 
6. XXXX XXXX XXXX. The account information is incorrect, name, when account was opened, balance etc. It was deleted from XXXX, but XXXX  and experian keep reinserting. 
7. Bankruptcy filed in XXXX was fraudulent. The bureaus ' state they got their information from XXXX XXXX and I have a report from them stating they have no information regarding a bankruptcy on me. 
8. XXXX XXXX XXXX never late As stated above, these actions take by these credit bureaus are in direct violation of my rights and I demand that they be removed or I will seek legal action against each company individually for violating my rights 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 2022-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
So, back during the pandemic, XXXX, and BofA decided to close my acct while their was still money in it, because of f suspected raud .... After some time, it was re-opened once they realized I wasnt fraudulent. But my money was gone. As time has gone on, BofA randomly sends me letters saying they have sided in my favor and they have issued a refund of ( insert random amount )... Well, I got another one of those letters on XX/XX/XXXX. But BofA is no longer the vendor for XXXX payments. WHich means, BofA decided to close all XXXX accounts back in XXXX. Conveniently. SO BofA points at XXXX, and XXXX points at BofA ... ..Logically thinking, BOfA held the money, issued the letter, and issued the refund, and even went so far as to ALMOST do a wire transfer of the funds, but at the very last second, decided, they couldnt trust the branch manager where I did my in person verification. So they withheld the money. After posting every single day since on twitter to the help dept, all they do is say they need time to review my complaint, or that my complaint has been escalated and I should be patient, or Ive even been given a call on a few occasions to say these things on the phone. BUT NOBODY EVER FOLLOWS UP. Now after losing my truck when I was told to go to a branch for in person verification and I would get my money, at which point i ran out of gas and the truck was towed before I could make it back with a gas can I am contacting all of these agencies to try and get some help. What they are doing is unethical, unfair, irresponsible, to say the least. I believe as the holders of finance these people hold the livelyhood of its customers in their hands, and should be held to a standard of conducting business, that exceeds that of other businesses. This type of slow playing, or lack of follow thru, is again, a violation of such ethical obligations, and I would say even borderlines if not completely steps the line of discrimination. To say the least it is a gross violation of its responsibilities, and therefore I am reaching out to try and get some relief in this matter.

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 2015-08-22
Company: COLLECTIONS USA, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently began to check my credit reports when I discovered a XXXX collections accounts from Collections USA alleging that I owe {$2600.00} and {$790.00} for what appears to be from an apartment complex. I disputed the debt and Collections USA verified XXXX illegitimate account through the credit bureau. The account for {$790.00} was deleted. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collections USA has not responded to my validation request and has not removed this trade line from my credit as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by XXXX. XXXX  said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for XXXX. Even XXXX  ( XXXX to the Banks and XXXX to me ) and Trans Union ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid XXXX  to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach XXXX, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?

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 2015-06-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Attempting to work a short sale for my property with Wells Fargo XXXX WF XXXX. Filed previous complaint XXXX case number XXXX ) and WF response was, " Be advised that when it 's been determined an account is eligible for a short sale and a signed offer is received, an appraisal or Broker 's Price Opinion is ordered. We 'll then research and review the offer. After all required information and approvals are received ; the short sale decision will be communicated to you within 30 days. " We have had a contract since XXXX 2015, WF just keeps asking for bank statements, then they say I do n't qualify, that I can afford the payments, now they say the offer is too low but will not respond with a price range of what the offer should be. 

The issue is, that I ca n't sell the house for what I owe on it, which I am told is considered a Short Sale. WF does not seem to use the same definition though. The current buyer has been waiting for 5.5 months. WF has stretched this contract out until XXXX. I am going to lose this buyer too because of WF 's stalling tactics. 

We have provided all documents requested within 1 business day in every instance. If WF has a different definition of a short sale, then they should have stated it up front and never let this go on this long. We have been up front and honest with them all the way. 

I was paying the mortgage up until XXXX. I was told at that time, that they could n't even consider a short sale unless I was 31 days late. If I ca n't sell my house for what I owe on it, why does it matter if I am paying the mortgage or not?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation