BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
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:
To whom it may concern : As the only computer literate in our family, Paypal is the only virtual wallet account where I could get my income from XXXX. However, as soon as I created my paypal account, paypal have put limit on it making my account prohibited from sending and receiving any money. I have talked about this with them but they poorly responded with what I can do regarding about this. At this point I think they are not doing their job very well. After a week, I received an email from then saying I can no longer use paypal for no reason at all. I am worried because they only not closed my account but also hold my money ( XXXX $ ) for 180 days. They did not even state if they ensure I will get my money. I hope this complaint finds you well as this is my only source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 this debt was settled in full for {$2300.00} ... See payment in full receipt and cashier 's check. 
These XXXX  at XXXX XXXX XXXX XXXX, XXXX, Texas decided to break the law and pursue additional collections by passing, selling or sharing this account with other affiliated collection companies. XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX, XXXX, and the originator of the account Jefferson Capital Systems , LLC far beyond the payoff date above in order to Extort more funds.. It didn't work.. So they turned to damaging vehicles and personal threats to attempt to Extort more funds. The stalking and harassment all over XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX has gone on in person and in vehicles for 4 years now..We finally were given advice by an FBI Agent to set up hidden video surveillance and draw them in to where I would park my vehicles and then move every 4 to 7 days to a new location to see if they follow and sure enough the agent was dead on with his advice. We recently turned over the video evidence to XXXX XXXX Police XXXX, XXXX XXXX Police XXXX. and the FBI in XXXXXXXX XXXX. They will retain this file until we proceed with our Civil Court Action and move from there. XXXX affidavits as of this date along with 13 witness 's, 4 police agencies that are being subpoened along with 22 cars with plates that have been verified for owners and use.. Want a sample : XXXX XXXX at XXXX and XXXX in XXXX XXXX filmed from a friend 's apt . on the corner behind shutters in the front room, we won't give plates you have them, XXXX XXXX at XXXX XXXX and XXXX XXXX across the street filmed from from a sitting vehicle. 
XXXX XXXX XXXX XXXXXXXX car filmed at XXXX at night from a sitting vehicle. The list goes on and on... No more talk, we have built a solid case against XXXX XXXX XXXX XXXX,, JEFFERSON CAPITAL SYSTEMS , LLC, AND XXXX XXXX XXXX XXXX XXXX Wait for the knock at your door for your files, phone call records which we also have that are extensive, mail that goes back 7 years ... To bad you got played while building this case but that's what law enforcement advised us to do. 
See you in court. Bring lots of money..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: IN
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 XX/XX/XXXX, XXXX, XXXX XX/XX/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 XX/XX/XXXX HAS VIOLATED MY RIGHTS.15 U.S.C. SECTION 602A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C. SECTION604A SECTION2 IT ALSO STATES NO CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT 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 2015-05-22
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Well let me start off by saying we're XXXX and can't work, Nationstar thought we wanted to ride for free and make no mortgage payment but that wasn't the case. We was waiting on XXXX to get approve when we try to stay in contact they would hang up or they would talk very rude they say you can't stay for free. I know this but just bear with us for a little bit till I get approve for XXXX and they would hang up.They didn't care if I was on XXXX or not,they we're going to foreclose I told them I needed the make my home more affordable program paper's they say ok then I would never here from them until i call
and this went on for a long time they just wouldn't call just didn't care.Then I would call and for the paper work we will sent it at some point they would stop talking.To us I would call and leave MGS. after MGS and no call so if they really wanted to help don't think they would kept in contact with us.there a lot of homeowner's with Lender that have the same problem just check any web site.We had XXXX suppose to be Dedicated Loan Specialist if they really wanted to help we wouldn't be in this problem.XXXX and all of wouldn't call u back.The last time I talked to XXXX I said I need those paper's to fill out and he ok I'll mail them and he waited till the day of sale date
we need those paper's back now and the sale date was the next day.I call and left a MGS
I need more time.They knew it was to late when they saw my income it was to low they wasn't going to make no deal. So when the sale date was here I called them and they just
hung the phone up and I called a few times. And nothing this Lender just wasn't especially
XXXX people with low income.We can't help it if became XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am writing to file a complaint against American Express, for violation of consumer protection laws 15 USC 1681s-2 ( a ) and ( b ) of the FCRA requires lender to provide notice of such action of sale upon request, however despite these laws, the lender refused to provide such information when requested. Additionally, American Express only stated this action midway through our call, there otherwise was no real or legal cause for such action. My accounts with the Lender were sold without notice and without providing any information regarding the sale. Furthermore at the time of sale, all accounts were in good standing and no primary reason would have been necessary for the relative action. The Lender has refused to provide any information regarding who they sold the account to or why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I got accepted to college, me and my family knew it was going to be hard to fund my education. In 2010 my mother did her best by finding the best student loan provider and landed on Sallie Mae/Navient. At the time my mother was only earning XXXX a year on a government contract. My mother requested a lower amount for my private student loans, and she was told that 'she earns too much money. ' Durning my XXXX college tenure she was laid off and had no job during my junior year. Upon graduation I knew I had to tackle this looming large student debt. I got a job that did not pay much, and I reached out to Navient to see what I could do. The only thing that was offered at the time, to my knowledge, was forbearance. They offered that to me and that was the route that I chose. I did receive collection phone calls during forbearance, and I had to keep reminding Navient that I was in forbearance. My co-signer, who was my grandmother, was also receiving mail and phone calls during this time. However currently, I struggle to keep up with payments and I don't believe the XXXX program would benefit me at all. I lack faith in the system that it will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 just recently reviewed my updated credit reports and Im very upset about the result that I have received. These inquiries are unauthorized reporting in XXXX and TRANSUNION XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/XXXX to remove account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XX/XX/XXXX, XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS.15 U.S.C. SECTION 602A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C. SECTION604A SECTION2 IT ALSO STATES NO CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX 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.

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 2015-05-21
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home will be taken away come XXXX XXXX 2015 by XXXX. I have n't tried to save it for I lost hope! I have not replied to the banks for which I did n't care anymore. The home I reside in has been a family home which was left to me and I worked on it to make a better place until 3 years ago when family was complaining how I inherited the home and they got nothing. They disowned me as a family member, which was hard for me because family was everything to me!! I was trying to move on then the following year my house had been broken into several time for the past year. Found out it was a family member and his friends who were on drugs and stole to supply their habit. Last time he did it parents told me to turn him in as I did and he was sent away and has recovered but how difficult it was me to be the XXXX to do it. I was so low in life that I was hating my home more than ever. Then last year I was waking up from the dark and ready to get help for my home. As I was set to start I had lost my job. I did walk straight into a new job however it was just minimum wage. I love my new job and I 'm a hard worker, my boss will give me a great review if this were to go any further. I had a raise and have great opportunity for commission as well. I have belief that I can do this now if I could be given this chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 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 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 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 ( 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. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 ) & 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 REMOVE OR DELETE this information which can not be verified. 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : 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 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I opened a cd account but was told that i could only make it a joint account AFTER it was set up. However, it has been impossible to ad my wife to this account. we have spent more that XXXX XXXX hours on the phone with them. There is a continual problem with IDENTIFYING my wife [ XXXX XXXX ] even though we have gone through numerous step including sending id photos to them. There is always a problem and they request that we go on this never ending loop of repeating the same steps over and over with the same result. Their only " possible '' solution is for my wife to set up a savings account with them. This even though she already has a credit card with them. After numerous attempts [ some suggestions have been to " just wait a few days and try again '' ] I requested that they close the account without withdraw penalty. This was done on the day that the account was finally funded from my other bank. They refused to agree, and again suggested she open an account with capital one Upon further investigation I also found out that when the cd matures there are only TWO ways to redeem : Roll it over, or open up a savings account with Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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

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 2015-05-21
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied to for a modification of my loan and got approved for a monthly payment of {$2900.00} which is more than 31 % of my income. There was no explanation as to how the mortgage company got that figure or how the payment is going to be distributed. 
I can not afford that high payment and will like any help available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-10
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, I am a PayPal customer with email address XXXX I have been a good customer of PayPal, but however, PayPal decided to put my account on limitation and asked for my photo ID, bank statement and proof of address before removing the limitation with Reference ID : XXXX When I signed up for PayPal, I already verified myself and as such, verification should not be done Everytime. 


I have supplied the documents needed to PayPal to remove the limitation but PayPal has refused removing limitation on my account and as such, I had to file this complaint. 

I need PayPal to resolve my issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See Documents attached. I am a victim of identity theft.

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 2023-03-14
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation