BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to receive a loan modification from Nationstar for over a year with the help of XXXX. A law firm that I hired that solely is committed to helping people work with Mortgage Companies to avoid foreclosure. I have been denied four different times. Each time the reason has changed. The first time my income and my mother 's income were used, we did not have enough disposable income. My son moved in with me and we used my income and his income Nationstar calculated the numbers wrong and XXXX appealed the denial. A third time the numbers were calculated wrong and another appeal by XXXX that shows we have XXXX in disposable income well over the XXXX disposable income required by Nationstar. The last denial was because the Net Present Value of my home is lower than the XXXX that is owed. My house is now in foreclosure, and the sale date is XXXX/XXXX/XXXX. 
As a XXXX I am absolutely certain a XXXX square foot home on a lot and a half in the XXXX Metro area is worth more than XXXX. The last appraisal that was done on my home was XX/XX/XXXX and the value was XXXX. Furthermore, many exciting things are happening in XXXX. XX/XX/XXXX the voters approved new infrastructure and roads throughout XXXX. XX/XX/XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX an XXXX state of the art XXXX school. And construction is underway for XXXX XXXX homes all within my District. All of these have increased the value of homes throughout XXXX, I find it very hard to believe that my home would be excluded from that increase. 
Also, I have filed a complaint with the Federal Consumer Financial Protection Bureau as well as the Colorado Attorney General. My feeling is that if Nationstar is adjusting numbers and criteria to continue to deny my modification it is not an isolated case and others are also being unfairly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was supposed to receive a deposit of {$2700.00} on XX/XX/XXXX I realized I put in the incorrect direct deposit information. When I called my bank they assured me that if the name on the account didnt match then my funds would be reversed to the sender. I patiently waited when I called the sender I then found out that the funds were never reversed. I called my bank they began to give me the run around and theres no way that they can transfer or even reverse the funds so that it could be deposited into the correct account. I am underemployed my job wont give me more hours so I need my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had submitted several payments anywhere of 10-12 payments to XXXX bank XXXX and key kept fluctuation what funds I had available or not, while not showing me what was coming out to be able to maintain not getting any fees, everytime I thought I was done, I got more fees. My new bank XXXX shows me when a check in pending, thats right a paper check! So not being able to see any ACH or anything is stupid and just allows them to collect more fees! 


Also they have my account locked out online so I cant log in OR even recover it to try and give exact figures. MADNESS!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America opened a checking account in my name with my SSN. When I called fraud support, they would not help me until I provided them my SSN over the phone, which I will not do. Their " fraud help '' web site even states that they will not ask for SSN when resolving issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I am responding back to the Citizen XXXX response. After I made my complaint with CFPB XX/XX/XXXX. XXXX from Citizen XXXX called me on XX/XX/XXXX at XXXX XXXX  She stated she would invesigate and call me back. XXXX never called me back. I just received a response letter post dated XX/XX/XXXX. I paid {$25.00} less on my first payment because I was tild to do so by a Citizen XXXX  representative on the first call. I was given a credit by XXXX 's company for XXXX Monday the day I purchased the television. I also had returened a pair if earrings to XXXX 's during the first 30 days of finally receiving them to my home. I have asked for an investigation since XX/XX/XXXX and obviously have been brushed to the side. I have requested apayoff to prevent continuous interest buildup. The procrastination of the Citizen XXXX representatives is causing me interst. The same interst that that XXXX the representative is saying I owe. This is my third complaint about Citizen XXXX. I requested an investigation of the calls made to the company on XXXX XX/XX/XXXX. I spoke with a representative about my payments were beyond the payment installment schedule. That representative told me that there would be one more payment coming out of my bank in XX/XX/XXXX ( a television from XXXX 'S department store ). I requested to make the payment & pay the television off during the XX/XX/XXXX conversation. I was told by the said representative that two accounts were listed, I said I was about to finish an installment for the television & had just purchased a laptop. There were two interest rates & it was being charged for the higher interest rate instead of separate purchases. The previous supervisors that I spoke to on XX/XX/XXXX ( XXXX ) saw this as well. She stated she would call back and never did as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15
Company: EQUIFAX, 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:
I excercised my rights under FCRA section 611 ( a ) ( 6 ) and ( 7 ) and requested of this credit bureau there method of verification as it pertains to a XXXX XXXX  XXXX account that was been reported on my credit report. They got that request on XXXX XXXX and to this date I have not gotten that method of verification. The Fair Credit Reporting Act gives the credit bureau 15 days after they have gotten my request to provide that method of verification to me. Its now almost a year since they have gotten that request and they have refused to provide that document or delete XXXX XXXX XXXXXXXX account number XXXX from my credit report and this is a Fair Credit Reporting Violation. The Fair Credit Reporting Act states that if the credit bureau is unable to provide the method of verification used to determine accuracy of the information on a credit report then that account should be deleted from the person 's credit report. I have enclosed copies of documents showing that the credit bureau got my request and a list of all the complaints that I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XXXX XX/XX/2021 I have not been able to make deposits or withdrawals at BARCLAYS online bank USA. 
For the last 4 weeks I have contacted them by phone and emails and have been told repeatedly my accounts were under investigation for " fraud '' and that their security dept would be in contact with me. Every week I've been give the same song and dance routine without any contact from the bank until today XXXX XX/XX/2021 when I received an email stating my access to my online bank accounts was blocked. Up until this point I was at least able to logon and see that my money was in the bank. Now, however, I'm not able to even do that. 
Of course, I immediately contacted the bank and was told the same old story about the " investigation '' was still underway ad they would contact me " whenever '' it's concluded. They claim the problem was caused by son, who is XXXX  XXXX military, linking his own account to the joint account I opened for him authorization. Yet they approved his transaction and allowed him to make a deposit and withdrawal before locking me out of the very accounts I myself opened for us without notice or explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, 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:
There are unauthorized inquiries on my credit reports also incorrect information as far as my address .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these inquiries was not authorize by me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
money is put on my card every month thru social security they froze my account. 
They asked me to send documents to unfreeze my account. 
I sent every document they asked for at least 20 times they keep giving me the run around won't let me speak to a supervisor and hang up on me after waiting hours on hold. 
this is the first action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SANTANDER CONSUMER USA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2019, I submitted and mailed a certified letter to Experian for which they signed for on XX/XX/2019 regarding negative information reported by XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharge in the file they maintain under my Social Security number. I challenged the accuracy, compliance and reportability of the listing and their Method of Verification. Experian failed to investigate with in the 30 day required by Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-12
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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. XXXX, Equifax, 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 5 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 Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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:
I called the credit reporting agencies and let them know the inquires in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report those inquiries. 

18 U.S. Code 1028A - Aggravated identity theft ( a ) ( 1 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

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 2023-10-19
Company: Paypal Holdings, Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Venmo account will not let me log in. Ive changed my password and still cant log in. I have no access to my funds. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XXXX XXXX requested from Mr. Cooper to end of the XXXX Forbearance on or about XX/XX/2023. XXXX XXXX received a correspondence dated XX/XX/2023 from Mr. Cooper outlining the Current Payment and Terms of which they contend includes a Partial Claim Amount of {$77000.00}. This is incorrect, there is no partial claim. Additionally, instead of assisting the consumer with modified terms that are rational in nature [ and non-predatory ], they instead are selecting to put consumers in a predicament that puts them further in debt and worse, puts their homes at risk of foreclosure. This is evident in the Estimated Modified Payment and Terms that Mr. Cooper is proposing on the letter : i. Increase interest rate from 3.125 % to 8.000 % ii. Change remaining terms from 360 to 480 months iii. Change total monthly payment amount from {$1300.00} to {$1900.00} The amount in arrears as of XX/XX/2023 is {$5000.00}. Mr. Cooper instead of rationally deciding to place this arrears amount to the end of the loan, they choose predatory practices by extending loan term 10 years and changing interest rate to more than market rates for a primary home. 

In addition, Mr. Cooper and the loan servicer, XXXX XXXX XXXX XXXX XXXX. are failing to adhere to XXXX XXXX as a member of the military. XXXX XXXX asks the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX to thoroughly review of the above-named mortgage servicers lending practices. 

Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company : Transworld Systems Inc. 

Issue : Delinquent debt of {$280.00} negatively impacting my credit report found while attempting to gain security clearance for a XXXX  job. Credit Report shows account opened in XXXX. I have no idea if I owe this debt. I attempted to call the number for this company on my credit report. 

Incident : XX/XX/XXXX, XXXX XXXX  - Called phone number on credit report to resolve issue, on hold for 38 minutes, when agent finally answered, I could barely hear her due to crackling and language barrier. After repeating for clarification multiple times and agent becoming aggressive because I could not understand her, it was determined that I could not verify amount of debt owed, what debt was for or any other information unless I gave her a credit card number. Supposedly, upon submitting cc info, I would receive a verification code then they would supposedly verify the debt owed. I refused to comply as this appears to be a scam. I have never had to give credit card information to retrieve account or payment owed information.

Company response to consumer: Closed with explanation