BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I AM NOT INTERESTED IN MORTGAGE ASSISTANCE. 
if the woman who opted to send me the documents wouldve told me that I was going to be restricted from making payments upon reviewing my options I wouldve never agreed to receive the information. 

I made a promise to pay on XX/XX/15. Upon logging in to make my payment I was restricted. I couldnt make my payment via phone and the weekend came. It is now XXXX morning and I am on the phone with someone who is telling me I can make my payment however I have never accrued a {$90.00} late fee. I am extremely disappointed in XXXX XXXX. This was supposed to help me and instead tied my mortgage up so much that the only way I can remove this status and regain access to online features is to pay two months. I have never been late on my mortgage and in all the verbatim scripts the woman read me that told me about mortgage assistance she didnt mention once that I wouldnt be able to make my payments. All because I asked to pay half on my mortgage on the XXXX and the rest on the XXXX. Ridiculous. I cant wait to tell everyone about XXXX XXXX inability to help customers. Sounds like yall would rather kick people when theyre down. Cancel the app, Im not interested in any Help yall offer if it isnt waiving that {$90.00} late fee that you mislead me into accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: BANK OZK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank OZK illegally removed me from my bank account and then kept my funds, which they still have them today years later. I have legal documents to prove they have stolen from me, and they had me banned from going to any location with threat of being arrested by the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute with 5th 3rd for a purchase I made on XX/XX/XXXX something for {$31.00} to XXXX XXXX  They gave me a provisional credit until they investigated. I received a letter in the mail that they were retrieving the credit as the seller provided proof that I received the product. Never did they say let 's discuss further or tried to get my side of the story. 

I made a purchase with XXXX XXXX sometime in XXXX. When checking out a used the XXXX XXXX to expedite the check out process. After the payment for the {$31.00} went through, I noticed that it had the wrong address showing. So I looked on the website there's no phone number only an email address. I immediately emailed them, till this day I still haven't received a response back from them. 

I waited to see if I would get the package since it was my old address and I had a forward to my new address in place. All it stated that they placed it in the mailbox. I immediately called my old landlord and basically the new tenant refused to give me the package. 

I called the post office and put in a claim and they stated that they'll go and retrieve the package they were unsuccessful. 

Please see all evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CITIBANK, N.A.
State: MD
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:
On or around XX/XX/2022, I cancelled my XXXX subscription then to ensure no future or reoccurring billing charges I changed credit card numbers. 

XXXX charges appeared on XX/XX/2022, statement. I reached out to Citibank and disputed the charge of {$9.00}. I informed Citibank the subscription was cancelled in XX/XX/2022, I do not authorize any reoccurring charges from this vendor. 

XXXX charges appeared again on the XX/XX/2022 statement. I never gave XXXX the new account number nor authorized Citibank to bill any reoccurring charges for XXXX Citibank set-up reoccurring charges without the consumer knowledge or consent and forcing the consumer to dispute said charge each and every month. 

Citibank is engaging in unlawful practice by rebilling the consumer account after the consumer cancelled the subscription and giving vendor access to new account numbers and forcing the consumer to pay for unwanted services.

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 2023-09-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have had an account with PayPal for many years. I was satisfied with it. My profession is XXXX XXXX, I XXXX XXXX. I have an account on XXXX for selling XXXX  and my website is XXXX. After corona, I didn't sell many XXXX. In XX/XX/2023, I discovered the website XXXX. Here one can sell XXXX  and one then receives a percentage of the fee back. I have invested all my savings in this. I have done this from XX/XX/2023 to my satisfaction. This allowed me to pay for painting materials and part of the studio rent. XXXX is very reliable but only works via PayPal for the payout. My income is a small pension. As of XX/XX/2023, my account with PayPal is suddenly ( permanent ) limited. I can no longer withdraw money, I can no longer receive money and I can no longer pay anything through PayPal for the duration of six months. I have been seriously affected by this. It means that I can no longer pay the rent of my studio. The payouts via XXXX come in amounts of about XXXX from various sources that I obviously can not check. I have spoken to PayPal staff a few times on XX/XX/XXXX. It turned out that I was suspected of speculative trading in XXXX  via PayPal. This is not the case. I am not a " trader ''. I use the possibilities of XXXX. All risks are for me, not for PayPal. My case was escalated, but result. I don't feel treated fairly. That is why I want to make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: NV
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-21
Company: CCS Financial Services, Inc.
State: WY
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  Account : Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX, 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 count without my written instructions.

15 USC 1666B : A creditor may not treat a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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 fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXXXXXX XXXX XXXX XXXX XXXX  EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX DO NOT CONFUSE WITH CONSUMERS OF SIMILAR IDENTIFICATION ; VERIFY ALL IDENTIFYING INFORMATION. 

Experian : XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-05-17
Company: EQUIFAX, INC.
State: NC
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 am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To whom it May Concern, I have disputed XXXX XXXX with Transunion and XXXX, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute XXXX XXXX has came back as verified. XXXX XXXX has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for XXXX financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by XXXX XXXX company regarding validating the debt.

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 2023-09-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a current JP Morgan Chase with multiple accounts, and have been for over 30 years. Recently, my father opened new accounts and his local Chase branch. He requested that I also be given access to the accounts. He was told this would require me to physically visit my own branch to finalize the access. 

On XX/XX/2023 I visited my local branch and attempted to have the account access set up. In the course of the process, the bank employee began to ask me non-relevant questions to my service visit. This include information that I consider private and do not share with third parties unless it is related to the service. The demanded information included employment status, employer name and details, salary range, and numerous other items. These had no relationship to the requested service of accessing an existing account and was merely an attempt to gather data clearly for future sales and marketing purposes. 

When I informed the bank employee I wasn't willing to share information that isn't legally required, I was told that he could not proceed and therefore would not give me access to the account. 

It appears that JP Morgan Chase has adopted a policy that forces employees to gather, and its existing customers to share, confidential information it has earned no right to. They use the current customer status as a mechanism to force the customer to share that data without any recourse, despite the information neither being legally required nor necessary to provide the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: TX
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NV
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  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions,

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 2023-05-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX DO NOT CONFUSE WITH CONSUMERS OF SIMILAR IDENTIFICATION ; VERIFY ALL IDENTIFYING INFORMATION. 

XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I want to alert you to Ollo Card 's shady business practices. They only allow you to pay via debit card once the account is past due. I tried to pay ahead of the due date but don't wish to make it via bank transfer for various reasons. After escalating several times, I was advised only collections can take debit cards. When I asked to be transferred to collections, I was told they don't accept payments on current accounts.

By not allowing flexibility in payment methods, Ollo Card is intentionally causing low-income people to default on their bills resulting in more money.

These are shameful practices and should be stopped!!

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 2023-09-19
Company: LEXISNEXIS
State: AL
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: NY
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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