BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo account temporarily frozen on XX/XX/22. Upon following up, I was told that they could not tell me why my account was frozen nor when it would be unfrozen. Further, the team in charge may only be reached by email. Not even other customer service reps may communicate with them over the phone ( strictly, email ). I have received no messages, emails, calls, etc. from the frozen account team since the initial notification on XXXX. I have followed up multiple times, daily, since then. But to no avail. I am told the same vague answer- over and over : they cant tell me any details. In the meantime, they are holding over XXXX of mine and I am absolutely unable to pay any bills, buy any food, fill my car up with gasyou get the idea. I am with no resources because they are holding them hostage and refusing to tell me why. What do I do?!?! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My money lost in my account unusually long time especially from XX/XX/2022.

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 2018-10-12
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I wasnt sure which option to click but this is what the issue is. If i remember correctly i made one payment to  the company. I knew i was going to be behind because i lost my best paying job, we almost just got evicted and im behind on a car payment. I emailed them to let them know that i was aware i was behind anx i intended to pay them, and that i was hard to reach via phone because i work a night schedule. They sent a text message to my phone on XX/XX/18 that read exactly this : Your XXXX Acct. is in XXXX! You qualify for a LIMITED TIME offer that will WAIVE 40 % OFF YOUR BALANCE! Call XXXX for details. XXXX Debit Collector Then on XX/XX/18 they text messaged my phone this : XXXX, XXXX XXXX Pre Legal @ XXXX. We need to hear from you or we will pursue all remedies against you as stated in our contract. XXXX Debt Collector My mother saw this text because she was using my phone. 
In no way did they verify who they were speaking to before texting this information. They did not do the standard debt collection disclosure anywhere in the message, and i dont understand how they can threaten legal action 1 day after sending the first message. Im upset at this situation for so many reasons and feel my privacy in regards to this debt has been violated. I borrowed less than {$200.00} and contacted them to explain that i knew i was late but intended to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
OnXX/XX/XXXX, I purchased a Model XXXX  washer/dryer unit ( Order ID [ redacted ] ) for {$1700.00} from XXXX  XXXX  XXXX  located at XXXX  XXXX  XXXX  XXXX, XXXX  XXXX, New York. To be clear, the product comes assembled as a single piece and must be used together.

XXXX  XXXX  was the Kitchen/Bath Appliance Specialist who helped me with the purchase. The product was delivered to my home where it was installed.

On XX/XX/XXXX, my curtain became stuck under the spinner of the washer portion of the unit. I noticed something was wrong due to a burnt smell coming from the machine. Immediately, I stopped the machine.

I called XXXX  XXXX  XXXX  and the salesman was rude to me and referred me to XXXX. I asked to speak to the store manager, XXXX XXXX, and was told that he was unavailable. Eventually, a technician was dispatched and he assessed the situation. He called XXXX  and they advised him to cut the spinner with a saw. The technician was incredulous and advised XXXX  that he didn't have a saw and even if he did that he wasn't sure that it would fix the problem. We are not in agreement that anyone should come and damage a brand new machine ; it doesn't make sense. The machine is defective and a fire hazard ; that is the opinion of my husband who was a volunteer XXXX  for 19 years. The reviews for this model on XXXX  own website also show numerous consumers who have had similar issues with this model. Please find enclosed all documentation relating to this matter.

We have made repeated requests to XXXX  XXXX  XXXX  to remove the machine and they have refused. I have spoken to XXXX, a manager at XXXX  XXXX  XXXX  several times without a solution. I have contacted XXXX  XXXX  XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. They keep referring me to XXXX, the manufacturer of the product. I have been in contact with XXXX  from XXXX  Consumer Relations but they have not been able to guarantee that any repair attempts would solve the issue and that we wouldnt have a repeat issue. XXXX  also would not agree to accept responsibility if there were any loss of life or injury based on its defective product.

Now, we are risking exposure to COVID-19 by doing laundry in a local laundromat.

OnXX/XX/XXXX, the credit card company, HSBC, issued a credit in the amount above but then later reversed course. HSBC asked for a narrative, which we provided, twice, with no response or acknowledgement of receipt from a company representative. Furthermore, the XXXX XXXX  has not replied to the New York State Division of Consumer Protection 's inquiries regarding our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
At some point years ago, a fraud alert was placed on my account with Experian. As a security measure they placed my phone number on the alert, making it impossible for me to be approved for credit unless I receive a personal phone call. The problem is that they have the wrong phone number. I have tried for so many hours to get this corrected, can not talk to a person and the automated system just says it has to call the number before it can do anything. After approxtamantly XXXX hours of working on this I have managed to get the old number removed, but now I am told they can not fix anything unless they call me and since there is no number they can not call me. It seems to be impossible to talk to an actual person and the XXXX times I did reach an actual person they told me they would have to call me on the number they have, A wrong number, this is not due to me changing my number, because I have had my current correct number for about 20 years. I finally got ahold of them again today and was told the number is gone, but now they have no number, and they have to call me on the number they have and since it is not there they can not call or add a phone number. I need help dealing with this, the company is costing me so many problems do to a simple problem that should have been an easy fix...

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-12
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Today on XXXX, myself and my partner both received threatening voicemail messages from an XXXX XXXX, who was retained to deliver notarized legal documents at my residence or work place on XXXX. If he is unable to obtain a signature, the documents will be turned over to the legal department of my county, where legal action will be brought against me. He left a number of XXXX. Regarding file number XXXX. I attempted to call and gain information regarding this debt, which they described as an attempt to collect on a best buy credit card debt that was previously sent to collections. This debt was settled, and paid in full, on XXXX with XXXX XXXX XXXX, which I have a letter from, stating that my account is now satisfied. This debt has paid in full, which no longer can be collected on, even though multiple attempts have been made. Once learning about this information, I tried to call back and get information about this company, such as their mailing address and name of their organization, only to be hung up on numerous times. Eventually my number was blocked, so I used a separate line to obtain the information that I needed to submit a complaint. I spoke with XXXX XXXX on XXXX to obtain the company name of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX at XXXX. I wish that a cease and desist be brought against this company, and any others associated with this false debt, as my account has been previously paid in full. If this company, or others associated with them, continue to harass me I am left with no choice other than to bring legal action against them. This company also contacted numerous members of my family, which has also been caused unneeded stress for my family members. This has also come during a very trying time, during the COVID-19 pandemic, which has lead to unnecessary stress on me, my family, and others. I'm concerned about my mental and physical health, with the undue stress that this matter has caused. This cease and desist order, against XXXX XXXX XXXX, was issued to be effective immediately on 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2020-04-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 sent out multiple letters and have received no response to validate that the debt is mine. They are reporting that {$570.00}. Please help as I don't know what to do as they are ruining my credit reputation with this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe MOHELA has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. My IDR recertification date was not extended in a timely manner. I recertified my repayment plan thinking that this was going to be required. This has caused my monthly installment amount to increase from roughly {$300.00} to {$780.00}. Mohela should have denied my recertification application as it was too early to recertify for this plan as recertifications can not be completed more than 90 days before the recertification deadline. My recertification deadline should have been XX/XX/XXXX not XX/XX/XXXX. Per DOE, if my recertification date falls prior to XX/XX/XXXX I should receive an automatic 1 year extension, but my account was not updated to reflect this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: WELLS FARGO & COMPANY
State: IL
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  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2018-04-11
Company: I.C. System, Inc.
State: DE
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:
XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has reported a Collection account in the amount of {$1100.00} showing past due as of XX/XX/2018 on my credit report. I disputed this account with the credit bureau and XXXX XXXX XXXX XXXX refuses to remove it from my credit report. I called XXXX XXXX XXXXXXXX XXXX to advise the debt belongs to my son at the same address however with a different social security number, I offered my my social security number or my son 's social security number for verification and they stated it wouldn't matter because they don't have a social security number on file to verify. My son 's age is XXXX and my age is XXXX with different social security numbers. I have no other information to give them for verification and really don't think I should have to waste more time on this. This is egregious and I want this debt removed from my credit report immediately.

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 2022-12-21
Company: Experian Information Solutions Inc.
State: DC
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 have made a complaint with CFPB, with the right result to remove/delete XXXXstudent loan from off my credit report due to improper use. If CFPB agreed that it should be remove why is it still on my report..Here is the complaints ID XXXX XXXX, XXXX Experian and XXXX XXXX which is still open. This is the same student loan that was supposed to be remove and not renamed. 
I Have never sign anything I have no knowledge of that account and never made a payment like they have stated. Wrong and inaccurate information is a cause to be remove again..

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 2020-04-13
Company: RoundPoint Mortgage Servicing LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am experiencing financial hardship and requested a loan modification as a result of the COVID 19 crisis and request my mortgage service lender ROUND POINT MORTGAGE to reduce my monthly payments as outlined in the CARES ACT and XXXX XXXX covid disaster relief fund. 

I am not interested to postpone or delay my monthly mortgage payments. Round Point ( LOAN # XXXX ) is not working with the loan investors XXXX XXXX to reduce my APR and reduce my monthly payments to assist me to stay in my home and continue to make affordable monthly payments as I have requested a hardship loan modification.

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 2020-04-13
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:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX {$680.00} XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: RFNA, LP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have paid the loan this loan. This was about a {$3000.00} loan. I have paid over {$6000.00} back with interests. I thought that this was over until I applied for a mortgage and it showed up that this account was in collection. A few days ago a recieved a settlement letter stated that they would settle the account for an additional {$1700.00}. That is robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Sold our old home and closed XX/XX/XXXX. Our HELOC had a XXXX balance, but when we got to closing, we were informed it would cost {$2400.00} to close it. Title agent said shed never seen a fee that big in her career. 
When I got home I immediately called PNC to find out what the deal was. XXXX  said it was a BBVA doc and she couldnt find it. I said somebody found something to charge me {$2400.00}!? She said she would have a mangager call me in 24-48 hours ( never happened ), and she would have them pull a hard copy of the doc and have it sent to me ( never happened ). 
I finally get a call on XX/XX/XXXX saying the fees are legitimate due to the loan being closed within 2 years of opening, subjecting me to appraisal and closing costs that were initially waived. Lady said she would email me the HELOC doc. 
When I get the doc via email, it is the 8 pages going over how {$2400.00} is owed. They did not include the entire contract ( around 66 pages ), and definitely didnt include the addendum to the home equity line of credit explaining how the sale of the house is an exemption to these fees. 
I respond by attaching the section of the addendum that goes over the sale exclusion. 
Only then did I get a call back the next day from another lady, finally admitting they didnt include that part and she has now read it, and will try to start the process of a refund, but has no idea how long it will take

Company response to consumer: Closed with monetary relief