BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On the evening of XX/XX/2021 I received an email from BBVA USA compass, a bank that Ive been a customer with for the last three years, stating the theyve disabled my access to my checking accounts via online or the app. No reason was given and I couldnt get anybody on the phone until the morning. 

The morning of XX/XX/XXXX. XXXX I was transferred to a rude and nasty person named XXXX in the card fraud operations department. XXXX told me my accounts have been frozen and will be closed due to the number of disputes Ive sent it regarding unauthorized charges to my account. Theres only one person in this entire company that can freeze an account per XXXX and her name is XXXX. I have approximately 21 individual disputes totaling {$2200.00} from unauthorized transactions as I have a relative whos present incarcerated at the Georgia XXXX XXXXXXXX XXXX and we speak via email on the XXXX app whos the third party their corrections department sources out emails and phone calls too. Somehow someone got a hold of my card number snd was sending cash to different inmates through XXXX and XXXX which I never have used. Theres other charges such as overbilled hotel charges and other things BBVA already has ruled in my favor and close some of these disputes. 

When they closed my accounts, I have a balance of {$6700.00} which consists of my monthly social security earnings and some of my settlement for my backpack my from my social security XXXX case. I also received my stimulus check of {$1400.00} on XX/XX/XXXX the day they decided to freeze my accounts. 

I have no access to my money : Im a XXXX veteran whos low income on Social security XXXX. That {$6700.00} is my life savings and I cant even put gas in my car right now, pay my rent, lights, nothing! 

The rude people at BBVA said theyd send me a check once they conclude all of the open investigations of my disputes. They said that can take up to 45 days. 

This is totally and completely unacceptable!!! I need my money sent to me as quickly as possible! This company has no idea how this has screwed my entire life up and I can be homeless in the next two weeks if I dont pay my bills. Even worst case scenario the {$2200.00} they ruled against me for which they wont still leaves {$4500.00} of my social security and stimulus money I need!! 

Theyve discriminated against me for being XXXX, theyve treated me like a common criminal when Ive done absolutely nothing wrong! I want my {$6700.00} thats rightfully mine overnighted to me ASAP! 

Please help me with this rogue bank who thinks people have 45 days to get money back thats rightfully theres and they illegally freeze and cant live and will be evicted from their house and lose everything!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Paypal Holdings, Inc
State: CA
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:
PayPal sent the following email : XX/XX/2023 " PayPal You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We XXXX Take. You must remove all references to PayPal from your website ( XXXX ) and/or auction ( XXXX ), including removing PayPal as XXXX payment option, the PayPal logo XXXX and the PayPal shopping cart. 

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds XXXX be used to satisfy any obligations you XXXX have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. 

If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 

Customers who are permanently limited for violating the XXXX XXXX XXXX are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 

You can find the complete the PayPal XXXX XXXX XXXX by clicking XXXX at the bottom of any PayPal page. 

We regret any inconvenience this XXXX cause. '' I thought this this was a Phishing Scam and changed my login with PayPal XXXX I was hacked. 

Going to the official PayPal website I found I was " permanently limited '' for violating a PayPal terms of agreement. I called PayPal on XX/XX/2023 and asked for more information about the specific violation. Customer service was not able to locate any specific reason and did not see any obvious reason for the " permanently limited '' account. 

I would like assistance in finding out what rule was broken. I only use PayPal for managing my recurring payments for subscriptions ( all automated ). There is no other financial transactions that would be suspicious for potential fraud or illegal activity. I can't for the life of me see what rule was violated. And I expect better documentation that what PayPal is providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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:
I've requested validation of documents bearing my signature on " XX/XX/2019 & XX/XX/2019 ''. I have not received my request as of yet. It's well passed the 30 days of the initial request. 

This is in response to your recent claim which you claim I have an {$0.00} charge-off Reporting as negative. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.

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 2023-11-09
Company: DISCOVER BANK
State: FL
Product: Credit 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:
On XXXX I made an online purchase of a shower kit with my credit card Discover. I requested the item to be cancelled a few days after due to the long period of time to be delivered. I was advised by the merchant that I could refuse the package upon delivery and that I should get a refund after. The item was left porch without notice under the name of someone else but with my address.Since it was a large item there was no way for me to take it anywhere in my vehicle. I saw labels from XXXX XXXX with a number to call in order for the item to be returned. I called the number and was able to arrange a pick up that was done on XX/XX/XXXX. I contacted the merchant by Email which is a third party vendor named XXXX XXXX which apparently orders from XXXX XXXX and act as its the seller. I was advised that onces it got back to the warehouse I should be receiving a refund, which I never did. I then decided to open a dispute with Discover and submitted all my proofs of shipment labels and Email communications from this merchant for them to help me resolve this case. As of now, I still have not been able to get my refund back. Discover keeps stating that the merchant stated that the item was a final sale and it couldnt be refunded. Discover keeps referring me back to the merchant to get this issue resolved. But per Email conversations from the merchant I was advised and authorized to send the item back for a refund which I did. I was able to obtain receipts from XXXX XXXX that the tem was received and that the merchant received the purchase money back to his account but its not refunding my money. All those proof were submitted to Discover for them to resolved the dispute. No resolution has been made until this date. I recently reported this business to the bureau because I feel I was scammed. I was made believed that I could returned the item for the merchant to keep the money and the merchandise. Please help me get this resolved, this bank is not willing to proceed with doing anything else after multiple calls and speaking to different account managers. They are not considering that Im the consumer and customer suffering loss from this issue. I am a single mother with XXXX kids and can not afford this loss of money. I feel Ive been treated unfairly by this bank and need this organization to make things right since I dont have any hope from the merchant or this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
wells Fargo and other banks and mortgage companies should not be allowed to go outside the amortization that they have created and cause Consumers to struggle with their payments. This is an unfair practice that should be stopped and funds they have stolen returned.

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 2021-06-30
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: AZ
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:
According to law if the bureau has incorrect information or not the original debt collector then they are violating my rights and it should be cleared. Please verify, my original contract with wet ink. 
Please send creditor information, itemized receipt and proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage Service Corporation has not released or returned my Escrow Overage After Loan Paid in Full. As to their promise to refund in 20 Days After Payoff is has now been 40 days After Numerous Calls They Claim it could be an additional 120 days or more and the Excuses and Bold Face Bad Faith Practices Continue Different Story Every Time I Contact Roundpoint

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 2023-05-05
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When trying to resolve the supposed amount owed with gym trainer at XXXX fitness, I asked for a copy of contract agreed upon having stated I refused to pay him after him mistreating my son whom was using the sessions purchased too. I paid for sessions already used only, and refused to pay any further sessions not used. The gym trainer nor manager would provide me with proof a written contract of debt owed, and instead sent me to collections for a bogus amount charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
XXXX 2 LATE PAYMENTS Account number : XXXX comments : Never been Late XXXX XXXX Original creditor : XXXX XXXX account number : XXXX balance : {$3800.00} comments : this is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2023 I went to a Wells Fargo XXXX XXXX and I also reached out to the XXXX ( XXXX ) XXXX number. I had transactions on my card that weren't mine they were XXXX or XXXX transactions and the total of the purchases was in {$700.00} 's .They cancelled my debt card for I believe it is 1 year. I was told that they weren't going to refund me anything. Upon contacting Customer Service I was told that they could not do anything because the card was closed. 

This is an inappropriate way to handle the matter. This was the second time that fraud had occurred to me using my debit card. 

My original card was replaced and I noticed that money on the account wasn't what I should have. 

When I went to branch to discuss the matter the person was very unprofessional and treated me as if I were committing fraud. 

I explained that the funds we're not approved by me. That I was never notified as the bank used to verify purchases prior to paying for purchases.

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 2021-09-13
Company: First Technology Federal Credit Union
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting. debt on my CR after I disputed the validity of the debt as I do not believe it belongs to me. I never received anything in the mail outlining the debt, whom it may belong to or actually anything at all! The debt says I owe {$10000.00} and was opened on XX/XX/XXXX which is impossible as I did not apply for anything in XXXX. I have disputed the debt with 3 CRA and the dispute remark reflects its resolved as reported by grantor. How can this be? 

also, the same company is reporting a second debt dated opened XX/XX/XXXX for {$1300.00}. Same exact scenario. Disputed and same remark as above. I have no idea what this is for and never received validity nor verification of the debt. 

Also, the debts are reported as paid and then put back on as balance increased about 4 days later so it reflects as a new account on my report making my credit score drop. 

Also I am guessing that First tech FCU is whom the debt is from? But they are reporting account closed XX/XX/XXXX from a credit card with balance {$4600.00} and charged off as bad debt the account was opened XX/XX/XXXX but if it were closed XX/XX/XXXX they just updated the account on CR as of XX/XX/XXXX. 

I have also disputed with First Tech as I have no knowledge of this debt and never had a response in the mail from them. I have disputed and on my CR it stated that its resolved. I still disagree

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Aidvantage has taken over my student loans. My first payment was due on XXXX. I paid on XXXX. Aidvantage still marked my account as delinquent - both in my online status and in my statement issued on XXXX - while it waited for it to process. I called to let them know that they were violating regulation by not counting my payment on the date it was made and that they cant mark my account delinquent when it was paid on time on the due date. 

Aidvantage assured me that the delinquent status and statement would be updated once they fully processed the payment. I woke up this morning to find that Aidvantage has reported my account to the credit bureaus as a late payment. This is unacceptable. If Aidvantage cant properly handle loan payments and credit reporting, why has the government given them this contract?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COLLECTION IS NOT MINE!! I HAVE ALREADY TRIED TO CONTACT BOTH THE BUREAUS AND THIS COLLECTION COMPANY AND BOTH ARE IGNORING MY REQUEST!!! I HAVE RIGHTS UNDER THE FCRA AND UNDER SECTION 611 THIS COLLECTION NEEDS TO BE DELETED! THEY HAVE BOTH FAILED TO RESPOND TO ME OR SEND ME ANY VERIFICATION OF DEBT!! THIS IS WRONG!!!!! I DEMAND THE HIGHEST POWER POSSIBLE TO DO THE RIGHT THING HERE!! I AM TRYING TO BUY A HOUSE AND BECAUSE OF THIS, I AM BEING DENIED!!! THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER!!! AS THE CFPB YOU ARE REQUIRED TO PROTECT ME AND THIS IS NOT PROTECTING ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed a credit card with XXXX XXXX in XXXX XXXX   after they upgraded my card to a type I didnt agree on. 

The balance was {$0.00} and had XXXX pending items when I closed this account. 

In XX/XX/XXXX. They had reported that my balance was {$1.00} and that I am past due. 
This is incorrect as my balance was XXXX and the account was closed XXXX XXXX has never sent me anything for this account. My login is inactive and when I call them and provide them with the account they say my balance is {$0.00}.

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 non-monetary relief
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried several times to submit disputes online and over the phone. Online I'm asked questions that do not pertain to me to verify my identity and can not access my file and over the phone I am ask about accounts I know nothing about to verify my identity, I am unable to get access to my file. I have inquiries I need to dispute on my account but I can not get access to my file because I am answering the questions wrong but none of the accounts they have on file for me I have no knowledge of. I also have accounts I need to dispute but again unable to get access to my file. The inquiries I was able to pull from credit sense is as followed XXXX Dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   Dated XX/XX/XXXX XXXX  XXXX Dated XX/XX/XXXX XXXX   Dated XXXX XXXX XXXX Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: ACCESS GROUP INC.
State: CA
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:
34 CFR 682.215 - 682.215 ( e ) ( 3 ) Income-based repayment plan ( " IBR Plan '' ) requires notification of the annual recertification deadline. The lender, Access Group, never once sent me the recertification notice since I enrolled in the program in XXXX. As a result, in XXXX, I missed the unknown deadline by a few days and more than {$60000.00} was capitalized into my student loan. I also just now discovered that the same thing happened around XXXX for around {$8000.00} after I also apparently missed a deadline. Access Group never provided me with the terms of the IBR Plan when I signed up, and it failed to warn me of the draconian consequences of missing the IBR recertification deadline by even one day. To date, I have never been given a due date for the annual recertification deadline -- even with the new loan servicer, which at least has sent warning letters. There must be other similarly situated persons. The loan servicer in XXXX was XXXX XXXX XXXX XXXX XXXX, but they have since folded, so I can't contact them. Previously, it was XXXX. I have complained to XXXX  ( Access Group 's company ) and filed a lawsuit, but they lied and said I was sent a 90-day warning letter in XXXX. XXXX provided a blank form without my name and address as evidence ( ATTACHED ), but they refused to " authenticate '' the alleged letter as genuine in the lawsuit. However, even if they had sent me that warning, the form still did NOT contain an actual deadline to recertify, as required in the above-stated federal regulation. Again, Access Group NEVER sent me the annual notification letter for any year I've been in the IBR Plan.

Company response to consumer: Closed with explanation