davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TX)

This is a formal complaint against Robinhood Markets , Inc. for the failure of their customer service department to resolve my debit card usage issues and for freezing my checking account twice without stating the reasons why. I am on vacation in XXXX with my XXXX debit card from XX/XX/XXXX to XX/XX/2021. To my knowledge, Robinhood doesn't require a travel notice as long as the card is used in permitted countries - XXXX is permitted. I successfully completed a single in-store transaction without a problem and then I proceeded to attempt an ATM withdrawal with a Colombian bank named XXXX XXXX XXXX XXXX over two weeks ago now ). This is when Robinhood locked my account due to what they described as XXXX suspicious activity XXXX  and they then required that I upload the front and bank of my driver 's license to prove my identity - I did so via their mobile application and the desktop version. The verification of my own identity was never acknowledged by their customer service staff (  although they did unfreeze my account at this point ). Matter of fact, they then ran with a wild idea that my XXXX XXXX account had been hacked without providing any evidence - and this was/is definitely not the case. Robinhood adds insult to injury because all email correspondence involves a different agent that basically starts my case back at square one, rather than a single dedicated agent that is well informed and carries me forward. They offer no phone support and no live chat. At this point, I don't even get email correspondence anymore. They have ceased all communication with me present day. Completely enraged by their lack of customer service, I tried to withdrawal my current checking account balance of {$1900.00} USD as an ACH transfer to XXXX XXXX XXXX in preparation of account closure with XXXX. XXXX rejected my request for withdrawing my money to XXXX XXXX XXXX on XX/XX/2021 and they froze my account again. This most recent event is what motivated me to file a formal complaint with the CFPB. Robinhood is holding my funds XXXX at this point without providing any reason why.
Consumer complaint received 2021-09-01
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Prodigy Finance Servicing, LLC (GA)

Hi there, In XXXX I took a student loan to finance my XXXX. In XXXX after I graduated I started looking for options to refinance as a lot of people do. I managed to get a great offer from Prodigy Finance. Back in the days I did not have many options as I was an international student on a work visa. They gave me a great rate, advertised as all the rest of the student loan refinance companies, refinanced my US student loan. 
3 years later, today, I am trying to refinance my loan again in the US. I am still working and living here. What I am coming to find out is that no US institution ( as least the 6 different ones that I talked to that refinance student loans- XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) will refinance that student loan as Prodigy Finance is based in XXXX. 
I am stuck with a huge loan ( {$130000.00} ), high interest rate ( 5.62 % ), a lifetime change event ( had a baby ) that requires me to have more disposable income. All because Prodigy Finance did not disclose/advise this kind of information that because they are XXXX based one can not refinance the loan back in the US. A reasonable 30 year something person won't even know that this is a thing and that you need to ask this questions. They are a company that are refinancing US student loans for people living in the US. It is reasonable to assume that you should be able later to refinance your loan in US. I consider this to be highly misleading and fraudulent. They don't refinance their own loans, they don't want to renegotiate the terms and extend the term. 

I consider myself quite educated and financially verse. But a normal person won't ever assume that they won't be able to refinance their loan in the US if this is not explicitly stipulated somewhere in the contract or advertisement. 

I don't know if you can help me with anything with that and figure out my situation. But PLEASE make something about this company to proactively disclose this information to it's potential borrowers as people are STUCK with them and there is nothing you can do but pay the loan until you pay it off. 

Thank you!
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Electronic Fund Transfer Act ( EFTA ), Regulation E. On XX/XX/2021, I was caught up in a check fraud scam and I was scammed out of {$4000.00} total from my checkings account. The check was written to me by the scammer and sent via XXXX, who had added me on XX/XX/2021, explaining how they wanted to take care of me financially, with the check bank being " XXXX XXXX XXXXXXXX '' with a total of {$4700.00} and I was told that {$700.00} would be compensation for doing menial tasks of transferring the majority of the money to the designated accounts instructed. The check was deposited by me on XX/XX/2021, and since {$400.00} was immediately present in my account I was under the impression that the check was legitimate. I discovered that the check was fake only after the money had been transferred because of how persistent and aggressive the scammer was. {$3400.00} was scammed from me via XXXX with four transactions : 1 transaction being {$400.00} on XX/XX/2021, and 3 transactions being {$1000.00} each on XX/XX/2021. The other {$600.00} was scammed from me via XXXX on XX/XX/2021 ; this was only one transaction. On XX/XX/2021, I made a claim with Wells Fargo about the scam in an attempt to obtain my money back. The XXXX claim for {$3400.00} was made on XX/XX/2021, but I was instructed by a Wells Fargo representative to make another claim for XXXX since the transaction was not complete on my statement record until XX/XX/2021. On XX/XX/2021, XXXX was also contacted about the scam and my XXXX account was frozen. On XX/XX/2021, a claim for {$600.00} was made. On XX/XX/2021, I made a claim with " CFPB '' to ensure that I would get my lump sum back. On XX/XX/2021, my " CFPB '' complaint was closed since Wells Fargo responded. On XX/XX/2021, {$600.00} was returned to my account. On XX/XX/2021, I was called to ask the status of these two claims since I was never provided an update : the XXXX claim was deemed to be non-refundable since the transaction was made by me and not by someone else through hacking ; On XX/XX/2021, I was met with the same response meaning Wells Fargo is not complying with Regulation E of the Electronic Fund Transfer Act and only contacted the scammer to get the money refunded rather than reimbursing me. I believe I am still owed my lump sum back because of the " Electronic Fund Transfer Act ( EFTA ) specifically Regulation E '' since I was convinced thinking that this was a legitimate interaction and was " promised '' a specific amount, but in reality, none of it was true. I would just like the remaining {$3400.00} provided back to me since it is such a large amount to me. My occurrence is similar to XXXX XXXX 's occurrence yet she was provided her money back but I was not.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

According to 16 CFR 433.1, 433.2, 433.3, creditors are not allowed to report anything on my credit report unless I specifically authorized. 

I hereby OPT-OUT of any/all reporting by any/all credit reporting agencies and creditors, effective immediately and will be forwarded by CFPB. 

These reporting agencies are abusive and will NOT comply with recent requests/demands. Therefore, I revoke/rescind and/all of their privileges with respect to my credit report.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

I previously submitted a complaint ( XXXX-XXXX  ) stating that i never received a XXXX XXXX XXXX that I redeemed points for. I received an letter from American Express noting that they would re-process the XXXX XXXX XXXX and sent it to me. I received two seperate emails on XX/XX/2021 and again on XX/XX/2021 indicating that my redemption order has shipped. It has now been a month and i still haven't received it. I don't have any issues with my mail and I don't understand why this keeps happening.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking Remove XXXX late payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, I placed an order with [ Vendor Name ] for XXXX XX/XX/XXXXXXXX XXXX  at a total cost of {$410.00}. This order was confirmed in writing, and no changes to the order were discussed or agreed upon. 

XX/XX/XXXX I received the shipment but noted a discrepancy : the vial was labeled with XXXXXXXX XXXX XXXX instead of the XX/XX/XXXX XXXX that I ordered. Concerned that the concentration was incorrect, I reviewed the packaging and dosage instructions, which did not align with my initial order. I reached out to the company to clarify this difference. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX again to express my concerns, requesting confirmation about the discrepancy. On XX/XX/XXXX, the provider acknowledged that the product sent was, in fact, XXXX XX/XX/XXXXXXXX XXXX, differing from my XX/XX/XXXXXXXX XXXX  order. This admission confirmed that they had shipped an incorrect dosage without prior notice. 

XX/XX/XXXX I formally requested a return and refund for the incorrect product, indicating my preference to handle all communication in writing for documentation purposes. 

XX/XX/XXXX The provider admitted that they should have communicated the change in dosage better. However, despite acknowledging this error, they refused my request for a return or refund, stating that the product was non-refundable, even though it differed from what I had ordered. They instead instructed me to dispose of the medication. 

Capital Ones Response Despite being sent the wrong dosage of medication and receiving no acceptable remedy from the provider, Capital One has denied my dispute claim. 

In summary : The product delivered was not what I ordered, and the provider admitted to sending the wrong dosage. 
Despite acknowledging their mistake, the provider refused to offer a refund or replacement. 
Multiple attempts were made to resolve the issue in writing, but the provider failed to offer an acceptable solution.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/XXXX, but no response was ever received from you to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX CXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account XXXX : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

CEASE AND DESIST LOWE 'S SYNCHRONY Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Do NOT close MY account without MY authorized permission. This is account is my property, as it was an extension of MY credit card ( social security card, pursuant 15 USC 160XXXX ( l ) ) -Zero out the balance on this account. -Do not seize or attempt to seize anything in my possession. Again, I initiated this transaction with my credit card ( social security card number ), and this ensures that my account is paid in full in 15 USC 1602 ( l ). I did not fill out a LOAN application because banks can not lend money ( 12 USC 1431 ) -this looks a lot like fraud to me. I am the consumer, and should benefit from this transaction. LOWES SYNCHRONY, you did not lend these funds to me to utilize the account ending in XXXX. I participated in a consumer credit transaction using my social security number ( credit card ) and not a loan Pursuant to 15 USC 1602 ( i ). At this point I have determined that I am not going to allow my rights to be violated anymore by you. LOWES SYNCHRONY is involved in fraud in many ways, and you knowingly violated me with the fact that any balance over {$1.00} should be credited to my account. I am demanding you to refund any part of the amount of the remaining credit balance, leave my account open to utilize each and every month. LOWES SYNCHRONY, by federal law definition you are a debt collector, 15 USC 1692a ( 6 ) or who regularly collects or attempts to collect, directly or indirectly, debts owed. I will also be forwarding this complaint to the Attorney General. Best regards, XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The following summary will detail my complaint of questionable/possibly illegal scoring practices by Experian Credit Bureau XXXX 
{ Date of Events } XX/XX/XXXX - Credit score increased from XXXX to a XXXX XXXX Credit score increased from XXXX to a XXXX XXXX Credit score dropped from a XXXX to a XXXX. This equates to a XXXX point drop in a single day. The reason stated was significant increase on a XXXX credit card. Usage went from below 3 % to 19.94 %. Also, all credit lines remained at 13 % usage. The credit usage for XXXX has since dropped back to 3 % usage. 

XX/XX/XXXX - XXXX XXXX increased from XXXX to XXXX. 

XX/XX/XXXX - XXXX XXXX decreased by 2 % despite the overall total credit usage remaining the same or lowered. 

Also, a XXXX XXXX line of credit was reported as a " XXXX XXXX '' in XXXX of XXXX through XXXX of XXXX was suggested as a reason for the drop. This information is false. I receive constant emails from Experian suggesting I participate in the Experian Boost program that would allow my on time household payments to positively impact my credit score. I have chosen to not participate in that program, not do I apply for the many credit cards Experian has matched me with. I suspect that the questionable/possibly illegal scoring practice is utilized to influence a consumer 's decision to participate in their suggested programs and/or apply for their suggested credit card recommendations for fear the significant drop in scores will continue. Please investigate this practice. It is alarming and may very well disproportionately impact people of color. I look forward to hearing back from you regarding this formal complaint. Thank you.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (AZ)

Since opening the Aspire credit card several non-requested user transactions have occurred : An authorized user card was added to my account without request - I was charged a {$25.00} service fee - The additional party added has their own, unused Aspire account - When this person was added I was requesting actual cards to be sent due to many months of never receiving the cards An automatic withdrawal for the entire balance was set up in XX/XX/XXXX on a knowingly closed account remaining in my account history - I was charged a {$25.00} reversal fee - When this transaction was manipulated, I previously set up a replacement acct - A {$200.00} payment was also " refunded '', with no identifying traceable information - The {$200.00} payment was made prior to the auto pay being forced onto the account - There is no designation for " primary '' payment account These insider manipulations concerning my account are running up the otal owed on the account. I am not being allowed to make regular, affordable payments. Excessive, illegal and unauthorized access and changes within my account setup and payments are causing exacerbated injury to my credit, banking relationships and time consumption by creating unavoidable debt! This is being done by adding fees through triangulation of my account by never having information available that I request to verify with the financial institutions I am currently doing business with or have done business with in the past. I am being hit with fees every month and larger balances when I try to pay my balances down, legally! 

It is clear from month-to-month that there was no account auto pay set up as my payments were made via direct payments in the web portal. Each payment was returned. When I brought this information to XXXX 's attention, XXXX, the supervisor on today 's call ( XX/XX/XXXX ) at XXXX XXXX  ( AZ ) attempted to delete information needed as proof to these aggressive tactics of financial manipulation of my account. She also stated that the {$25.00} fee for a closed bank account should be taken up with the bank! I hold no account there, therefor, XXXX bank would never charge {$25.00} for a XXXX XX/XX/XXXX transaction on an account that has been closed since XXXX XX/XX/XXXX!
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (CA)

My name is XXXX XXXX and I am inquiring about an account thats noted on my XXXX  Credit Report. I have called XXXX  to inquire about that account and they gave me your info to contact you. I then contacted your bank and they have no info on the account and what it pertains to. It is critical that I obtain written confirmation saying that account isnt mine or whatnot from you in order to removed it from my credit report. May you please respond back as soon as conveniently possible. My XXXX XXXX husband is getting XXXX soon and its vital that we close on this pending house for our children and I so that he can be at peace while hes XXXX. We have been calling around to find out more about that account thats opened under my name because I have no recollection of ever opening an account with XXXX XXXX XXXX  Thank you so much for your time.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (LA)

I entered a consumer credit transaction with NAVY FEDERAL CREDIT UNION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that NAVY FEDERAL CREDIT UNION claim I owe. NAVY FEDERAL CREDIT UNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX Please govern yourself accordingly.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I have been a credit card customer of Citibank for around 15 years, and my credit score is excellent. Then, on XX/XX/XXXX and XX/XX/XXXX of 2022, I just received different emails from Citibank telling me that my credit cards were closed without providing any additional explanation or period to solve any issues. 
My complaint is that Citibank did not provide me with a warning period to keep my credit cards open ( one of them was my oldest credit card on file and closing it had a negative impact on my credit score ). Also, I am complaining because Citibank did not provide any explanations for closing my accounts.