BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a Netspend reloadable prepaid card XXXXXXXX  and attempted to register it and the representatives are giving me the run around and refusing to refund my money because they say my ssn is linked to a closed fraudulent account which I have no access to. They refuse to escalate to a higher level of customer service to resolve it or they flat out stop talking and refuse to hang up so they don't violate company policy. I will file a lawsuit if needed. This was my child XXXX birthday money I loaded onto a card so she can spend when she goes off without me. It's a sizable amount and is 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 2018-08-25
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$5.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} I already had a hard enough time getting XXXX XXXX to process my PSLF paperwork. It took MONTHS for them to correctly process my paperwork, forcing me into forbearance. I have made the following payments towards my PSLF program and my account is showing NONE of the payments have been applied towards my 120 qualifying payments. I do not know what the {$5.00} was for. I received notice that amount was past due, even though I had made the full {$98.00} payment on XX/XX/2018. I need this rectified IMMEDIATELY! Me making payments on time, towards my 120 payments and them not being applied, is wrong and cheating me out of my qualifying payments ... forcing me to try to make MORE qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sold a saddle for {$840.00} to a lady XXXX XXXX in Nevada. She wanted to send the money through Venmo. She did it but checked business instead of a friend 's and family transaction. They froze the XXXX and sent an email saying that XXXX, a person I don't know, had to pay XXXX more to them to convert my account to a business account, then I had to prove I sent a refund to her. We did all that. I sent them the screen shot. They said no problem but never released the money. They now havev {$840.00} and XXXX {$400.00} payments. They then say they want {$500.00} more and now they want XXXX more. My checking account is over drawn. They have XXXX of my money and I never owed them a XXXX to start with. My car payment is short. I am a XXXX widow veteran and they are holding my money and life XXXX. I can't take out a loan and it's not like they are going to release my funds.i will try to attach all the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items are deleted to correct my credit report. 

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$7200.00}

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 2023-07-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase Freedom Unlimited credit card # XXXX XXXX XXXX XXXX Received card in the mail on XX/XX/XXXX, never ordered the card. Called the company to tell them and they cancelled it. 
Problem, because of Identity theft early in XXXX, I put a freeze on my S.S. number, still in effect today. 
So this company is handing out credit cards without checking or verifying the SS number. 
I can't help but wonder how many thousands of other folks this is happening to. They really need to be investigated! 
Thank you for your help, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: Spring Oaks Capital, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spring Oaks Capital sent me a letter stating that I had 30 days to dispute a debt with their company. I sent a debt validation letter within the 30-day time frame and Spring Oaks did not submit proper verification. I was not sent an original contract or any documents bearing my signature that prove the debt is owed by me. Spring Oaks also marked on my credit reports that this dispute has been resolved. This dispute is not resolved. This dispute will not be resolved until Spring Oaks removes this collection from my credit account. Spring Oaks has violated the Fair Credit Reporting Act by reporting a debt to the credit bureaus that I do not owe. They also reported the debt before the end of the 30 day validation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been trying for weeks to have Chase Bank release funds in line with a Florida Court Order to the beneficiaries of my Mom 's estate. I called and visited the bank in person and provided the original Court order but the bank refused to release checks as captured in the Court order. The bank officer that I met with called their legal department when I was there and after a 45 minute hold was advised that the legal department would have to review the court order and that I would be provided with an update in three business days. I have since called and e-mailed the branch but have yet received the courtesy of any reply or update. I do not have access to the account but my cell phone is linked to it so I get text alerts with respect to account activity. Rather than issuing the funds as required by the court order, Chase for some reason made a significant payment from my deceesed Mom 's account on XX/XX/XXXX, I subsequently received a text indicating that the account was overdrawn by {$99.00} XXXX. My mom has been deceased since XX/XX/XXXX and there was definitely no justification for the Medicare payment. The bank has been reckless, incompetent and completely unresponsive. These are difficult economic times and we need to faciliate the release of these funds without further delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into 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
Consumer complaint received 2023-07-18
Company: OneMain Finance Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XXXX XXXXXXXX XXXX XXXX by One Main Financial collects an image of a clients social security card, drivers license, and bank statements at the time of application. They site these items are collected for identification and address verification. I was immediately approved and within a couple days received an email telling me my card has shipped. My address for the card that reflected on their mobile application correctly in full. A month from the time of approval I contacted them to inquire on my card. I was then informed my unit number was missing and I would have to submit an email with more address verification ( another bank statement ) to have my unit number added. I asked why they couldnt reference the statement I had provided, or the image of my drivers license with the correct address, or XXXX XXXX which has the full address. No clear answer was provided. I was told I had to email their back office team my bank statement and it would be another XXXX business days a minimal to receive my card. This seems unfair given all the information I provided can not be referenced but this credit card it already reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I sent a payment to a friend using Paypal, payment should have been received by XX/XX/XXXX, it was not. As of XX/XX/XXXX payment had still not been received so I called Paypal to cancel the transaction, they refused and said a supervisor would call me back, they did not. I filed an online dispute with Paypal quoted below : " I spoke with an agent today who assured me her supervisor would call me within an hour. THEY DID NOT.I was also told that I sent the payment as " Goods and Services '' so you charged me a 5 % fee which is outrageous. 
I would never have used your service if I knew of the 5 % fee in advance and I wouldn't know how to send payment as Goods and Services so I would contest that. 
The payment was between two friends and not a business transaction. I have contacted XXXX XXXX to intervene and I would like to CANCEL THIS TRANSACTION. My friend has NOT received the money 8 days after the transaction and I already sent you a screenshot from Paypal showing that payment to her is delayed to XXXX XXXX 19 days after the original transaction. If this is not transaction is not cancelled I will be filing a formal complaint with all California and Government Agencies that I can think of and telling my story on Social Media. This is not acceptable business practice. Sincerely XXXX XXXX '' I have not received Any response from Paypal except the following '' Case status : Under review. We're reviewing this case and will get back to you by XX/XX/2023 at XXXX XXXX  PDT. As we review this case, you may submit any additional information that you have. '' Are they kidding, it takes 3 months to review or resolve a case concerning {$650.00}. 
This is completely unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Fidelity National Information Services, Inc. (FNIS)
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 information incorrect

Complaint:
HI XXXX XXXX YOU XXXX XXXX, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? 
where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH CHEXSYSTEMS THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? WHERES MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?

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 2023-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi my name is XXXX XXXX I submitted a complaint to you to you to notify you that I have been a victim of identity theft THESE INQUIRES NEED TO BE REMOVED. 

XXXXXXXX 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 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 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 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

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 2023-04-24
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XX/XX/XXXX a lady dropped off a summons to show up in court for a debt I have no idea about. I never received anything from this company before ( Credit Corp Solutions , INC ) I dont even know what the debt is for. All they said is I took a loan out in the amount of {$2900.00} back in XX/XX/XXXX with an electronic signature. I never took a loan out nor would I as I am a retired XXXX  and am a housewife since XXXX. The court date is set for XX/XX/XXXX at XXXX XXXX. I dont know what to do as I dont know what this is for. Thank you kindly. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
BMO advertised a {$500.00} bonus for their Checking and Savings, which includes a {$400.00} dollar bonus to open a checking account and a {$100.00} bonus to open a savings account within a time frame. Account was opened in person in XX/XX/2019, and the promotion code was put in by the banker and confirmed to be applied by her. A copy of the promotion terms and conditions was printed and provided to me at the time of account opening. I met all the requirements for the bonus, and only received {$400.00} for the checking account not the {$100.00} for the savings account. When called and inquired details, representative said it's because the promotion code was not applied when Savings was opened? And they can't do anything but to send my question to the banker who opened the account to resolve it. Time passed and nobody ever reached back to me, tried two more times including calling and online messaging them. They always promise to escalate it and have the banker reach out to me, but nothing never happens. I did a research online and found a number of other people were having the issue ( not receiving bonus and fail to pursue it even though all requirements are met ).

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 2023-04-10
Company: Cash Express, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed this loan with cash express as a precaution as I had a couple other payday loans that were taking out in my name, and I just want to verify that this was indeed me as a safety precaution. I requested on XX/XX/XXXX for information to be mailed to my address of XXXX XXXX XXXX XXXX XXXX KY XXXX. Which has been my address since XX/XX/XXXX. Instead of mailing me the information, I received notifications from lawyers that cash express filed a lawsuit against me, Under an address that I have notified cash express that I do not live at. Disclosing information to a family member. I then called cash express at the end of XXXX and they told me that they supposedly emailed me the information i requested however i have search and chatted with XXXX and they are not showing that an email was sent to my email of XXXX. I then spoke to XXXX in compliance who told me that he would Mail me out the information that I requested. Instead I got a letter today that tells me that I need to file a police report and provide them with my identification before they provide me with any of the requested information, why would I file a police report on something I am trying to verify before I verify it. They also told me that they will not update my address until i do so as well, which means that information will continue to be sent to a third parties house that I do not authorize. I have never had an experience like this in my life. This situation has caused me serious stress and frustration. At this point I do not believe cash express is exercising my rights as a consumer and clearly has something to hide as they will not release the validations of debt to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Atlanticus Services Corporation
State: MD
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:
I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX AND FORTIVA STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL XXXX CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX HOUSE, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: TX
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:
Experian, XXXX, and XXXX are reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender XXXX which was already reporting on my credit report before it was removed. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.

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