BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I ha ve a Sears MasterCard an d have been trying to make a payment and the site has been working at all. I have tried other browsers, clearing my cache, refreshing my page, using a different computer, and nothing works. It stays  on one p age and you 're not able to make a payment. My account is now past due. I have called the number on my card and they said the site is currently down and no one is able to process there payment online and the bill pay department is not able to receive my call because there is such a high volume of calls! They should of sent nification if their site is not working! How else woud anyone with e-statements know to pay?! The person on the phone was not able to take my payment, as the payment is now past due and when transferring to the bill part department, no one picks up. This is extremely frustrating and unnerving for a credit card company to not have any ability to pay either online or over the phone! Below is the website I have been trying to pay my bill on.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Dear Complaint Forum, I am writing regarding the issue I am facing with PayPal 's fund holding and account lockdown. I seek your assistance in resolving this matter. 

On XX/XX/23, PayPal limited my account, blocking access to funds and freezing transactions. I can not withdraw or transfer {$1400.00} USD, causing significant financial hardship. 

PayPal 's account lockdown disrupts my business operations and inconveniences both me and my customers. Despite multiple attempts to contact customer support, generic responses without clear explanations or timelines were provided. 

I am in full compliance with PayPal 's policies, with no violations or fraudulent activities. I am willing to provide documentation for account verification and fund release. 

The fund holding and account lockdown adversely affect my personal and professional life, hindering financial obligations, order fulfillment, and business stability. 

Please assist in facilitating a resolution with PayPal by releasing my funds and reinstating my account 's normal functioning. Fair and transparent financial services are essential, and I trust a satisfactory resolution can be achieved. 

Thank you for your attention. I anticipate your prompt response. 

Ref ID - XXXX Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To whom it may concern, I have been harassed by a debt collector for over a year now. Everytime I asked to verify if the debt was truly owed and asked for a statement or explanation of benefit for the original debt, I was told that I would receive something. This never happened, and I continued to receive harassing phone calls and mail from the debt collector. 
One month ago, I was harassed by the debt collectors themselves. They sent a courier to my house to deliver me a bogus court Summons in order to extort money from me. The original debt was for {$110.00} and they told me that I owed $ 500+. According to my rights, I continued to ask for evidence from the original provider, again they would not provide this to me. Finally, I was able to track down the medical office that provided the treatment and they were able to provide me with a bill. I attempted to cover the original amount to no avail. 
I went back to the debt collector and attempted to settle up. They were unwilling to work with me and extorted $ 500+ and told me that the interest and penalties were going to increase by {$100.00} every week until I paid up. Of course I did not want my family or I to continue being harassed so I caved in and paid them. 
I feel like this place is a scam and is only after peoples hard earned money. They do not follow the rules and should be investigated. Please help me get all or some of my money back and penalize this business for harassment and charging fees and interest that are not lawful. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Date incident occurred : XX/XX/2018 at Approximately : XXXX PST. 

I called into IQ Data International collection agency to try and figure out a debt and resolve it. I called in and spoke with an " XXXX '' right off the bat he was rude and wanted to belittle me. I told him I wasn't aware I had this debt and what it was about as I know I paid this apartment complex off with a cashiers check when I moved out. He stated that they have called me multiple times on my cell phone, my employer and sent me information. I advised I have not received anything. He stated that " I should pay my bills and I wouldn't have to worry about it. '' I was offended by this as I was trying to call in and resolve this debt, I told him not to speak to my like that and he continued to antagonize me and apologize that " you are sensitive sir. '' I stated this is how you treat customers? he replied " you are not our customer, XXXX apartments are. '' I then stated that it doesnt give him the right to treat me like that, he then responded with " Oh, I am sorry I offended you sir, I am sorry you are sensitive. '' I asked to speak with his supervisor, he then responded very aggressively with " No, you will not speak to my supervisor you will speak with me, I am sorry you are so sensitive but you are not talking to anyone but me. '' I continued and demanded a supervisor, he then sent me over to " XXXX '' who was the manager on duty she said they would listen to the call and take appropriate action and then we discussed the options I had. While on the line with her the background noise was insane with people yelling and cheering and I asked her what kind of establishment was this? She responded " I am sorry they like to be loud sir. '' She ended up taking my payment to resolve the debt and as she took it I heard people in the background taunting and cheering that she got me to pay. I am very upset about how this was handled and it was the most unprofessional interaction I have ever had with any company in my life. I want to file a formal complain on IQ Data International Inc.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent you documents pertaining to my illegal foreclosure. Some of the documents have been redacted, but my name and other personal information such as email address and home, mailing address has been included. Ditech has already received this information through faxes and local court filings. As yet, Green Tree, LLC. a.k.a. Ditech Financial, LLC has refused to validated the mortgage debt, or conclude their so-called, fraud investigation concerning my mortgage payment account. Ditech has continued to attempt to profit from their own fraud, and fraud perpetrated by XXXX XXXX XXXX and XXXX XXXX XXXX by attempting to move the local court to sell my home regardless of the court 's order vacating the judgment of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX  XXXX XXXX XXXX account was discharged under Bankruptcy in XXXX. XXXX continued to bill for service despite notification of termination of contract or service. Services were not used from date of notification through and beyond date of discharge. However XXXX XXXX continued to bill for services not used and not wanted incurred prior to discharge and past date of discharge. They subsequently sent balance to collections. Initial collection agency was notified of the Bankruptcy and discussed the service billing periods and the collection was abandoned in XXXX. 
Four years later ( as XXXX was in process of acquiring XXXX and needed collections on the books ) beginning XX/XX/XXXX I received collection notice for the same discharged debt not only under the Bankruptcy but also under the initial collection agency. My complaint is against XXXX for continuing to bill for services after bankruptcy and continuing to collect said debt after it was discharged. Additionally my complaint is against CONVERGENT OUTSOURCING as they continue to attempt to collect a debt that was discharged under bankruptcy in XXXX and discharged by a previous collection agency. They continue to attempt to collect a debt despite dispute through credit reporting on multiple occasions. They have been provided Bankruptcy discharge on multiple occasions. In addition they are attempting to collect a debt that was discharged by a previous collection agency and is more than 7 years old. More importantly Convergent Outsourcing continues to report the debt falsely as new debt as of XX/XX/XXXX more than 4 years after the original debt thereby falsely reporting the history of the debt. Thereby violating Fair Credit Reporting. 

Convergent Outsourcing Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA 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 2023-10-25
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Citibank XXXX raised my rate to over 26 %. I was never notified by them that this was going to increase. It started out as a 0 % for 15 or 18 months. The jumped that high. Even on current purchases and had I'd been notified I would not have used this card for my daughter 's wedding expenses

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 2023-01-25
Company: Experian Information Solutions Inc.
State: WA
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 been violated and have not been able to get credit. This has caused me very much hardship in my daily life because of this reporting. according to 15 USC 1681a to exclusion a credit report does not include report containing Solely transaction and experience between the consumer and the person making the report. 15USC 1666b also states that if a open ended consumer credit plan provides a time within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge or penalties may not be imposed. 1026.13 also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan. Please update the following accounts to PAID AS AGREED or I will be forced to seek legal action with remedy of {$1000.00} per violation XXXX XXXX XXXX XXXX XXXXXXXX XXXX Both of these accounts are showing misleading info and needs to be updated

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 2018-09-14
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with. As you questioned, yes Ive attempted to rectify the issue on my own by XXXX ) requested validation via the credit reporting agencies directly on XXXX XXXX via fax to XXXX which I called Customer Service to confirm it's accuracy and received delivery confirmation ( also attached ) ... the responses I received were verified for some, XXXX  made it a point to remove XXXX XXXX as well as XXXX XXXX as its clear this is inaccurate because they are both one in the same ( Ive also contacted them directly, havent heard anything back from either as yet ) except for Experian who is just now responding on XX/XX/XXXX ( as per their letter which is attached for your reference ) and I believe this response is only in response to my XX/XX/XXXX follow up ( sent by mail certified which was delivered XXXX XXXX ) to them not responding to my initial letter on XX/XX/XXXX ( more than 30 days ago which I thought was the amount of time they had to respond ). 
Their response ( you can find attached ) for 2 of the accounts in question, one being XXXX which I also have filed a complaint with you all under COMPLAINT # XXXX states that Ive already disputed this account and creditor confirmed it was accurate however, Im asking for VALIDATION of the debts listed not just the creditor saying its accurate. Correct me if Im wrong but this is not the same thing. Please assist. 
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 non-monetary relief
Consumer complaint received 2023-10-25
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Filed hardship paperwork to Mr. Cooper due to non receipt of rental money on property owned at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. Filed required documents in timely fashion and payment plan was arranged. Sold property on XX/XX/23. First payment was coming due for 3 months missed mortgage payments on XX/XX/23. A negative score was added to our credit line after sale of the house despite us meeting timeliness and requirements. Wanting this removed from our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: U.S. BANCORP
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I was incarcerated XXXX of last year and card end up stolen while incarcerated fraud charges had occurred and account closed and now nobody at the bank/? card issuers cant help nor get information about how to fix the problem

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account name : XXXX XXXX XXXX XXXX, # XXXX, ( XXXX XXXX ) XXXX. Account name : XXXX XXXX XXXX, # XXXX. ( XXXX, XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX XXXX # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( XXXX ) XXXXAccount name : XXXX, # XXXX XXXX ( TransUnion ) XXXX. Account name : XXXX XXXX XXXX # XXXX, ( XXXX, XXXX ) XXXX name : XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) XXXXAccount name XXXX XXXX XXXX XXXX, # XXXX, ( XXXX ) XXXXAccount name : XXXX XXXX XXXX, # XXXX, ( TransUnion XXXX XXXX. Account name : XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX XXXX I, # XXXX, ( XXXX ) XXXXAccount name : XXXX XXXX XXXX XXXX XXXX XXXX, ( 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. 

2. 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.

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 2018-09-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I've been gainfully unemployed for 4 months now ... I've been keeping my bill current with side work/gigs here & there but have run into issues. However, it's been a HUGE issue to call and speak to customer service given they're overseas and are not quite understanding of American economy and living ... Along with the language barrier. I am asking for 2 things : ( a ) Forbearance for 60 days to protect my credit rating.. ( b ) I've asked several times for a credit increase to {$1500.00} which would allow me to pay the minimum and stretch out this employment wait ... The current balance does not allow me any wiggle room to kick cans around, pay financing charges until circumstance change.. Essentially there is no room for a pseudo personal loan during hard times.. What if I was in the Carolinas right now and needed extra $ $ 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 monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$600.00}

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 2021-03-08
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am financing this vehicle with West Lake Financial. I purchased the car in XXXX and monthly payments are {$480.00} a month for 48 months I have paid sometimes more totaling {$23000.00} and attempting to trade vehicle and payoff balance {$14000.00}. XXXX XXXX XXXX for {$37000.00}. Unpractical how could this be? 

I feel as if I am being robbed. Doesn't make any sense. Now I am stuck with a car having to pay {$14000.00}. The car was financed for 5 years this is my fifth year still owing {$14000.00}. Car purchased XX/XX/XXXX. Does not add up. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I've been gainfully unemployed for 4 months now ... I've been keeping my bill current with side work/gigs here & there but have run into issues. However, it's been a HUGE issue to call and speak to customer service given they're overseas and are not quite understanding of American economy and living ... Along with the language barrier. 

I am asking for 2 things : ( a ) Forbearance for XXXX XXXX to protect my credit rating.. ( b ) I've asked several times for a credit increase to {$2000.00} which would allow me to pay the minimum and stretch out this employment wait ... The current balance does not allow me any wiggle room to kick cans around, pay financing charges until circumstance change.. Essentially there is no room for a psuedo personal loan during hard times.. What if I was in the XXXX right now and needed extra $ $ XXXX??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo has made several errors in deposits availability in 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