BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This Account Information My Bank : XXXX I opened an account at PayPal to work in the purchase of products via the Internet and received money by my trade and there is no problem on XX/XX/2018 I received an email telling me that your account has become limited and we want some information about you from the picture of the personal identity and a copy of The account statement was opened and an account was sent to them and the complete information that was requested was contacted by the customer service over the phone Talk to me technical support staff and told him in the problem and told me this is normal procedure and your record is clean There is no problem in your record and this question time I told you Thank you Tell the employee when a new account is opened My account was closed within 24-48 hours. An account was opened by the specialist. I told you thank you. I was locked for 6 days. I spoke to the customer service to find out what happened in a problem. My account was shown to me. I gave her full information to access my account. If you have a problem, please tell me if my job is clean and there is no doubt and the employee told me that my record is correct and the account will be returned. Please tell me, please wait a few minutes to know the reason for closing. I told her there is no problem. Some 3 minutes passed on a phone. I told her I have no other account and no It was possible to open a second account because it allows me to open only one account. You told me that you are liar and an account was closed because of the similarity between me and other accounts that were established and I closed the phone and I speak. Why this racism and I know that America is a country of freedoms in the religions and this bank has the right to open an account I ask your accounting by accounting this company and force the company to recalculate Note I am the company PayPal I open an account for people living in XXXX and are created accounts that people live in America and were corresponded from a company for this subject and was sent to them the account number of people living in XXXX and I have information and accounts of people living in XXXX with their own accounts And conversations will be sent this information to competent authorities

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 pulled my credit report and there are hard inquiries that I did not make.

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 2019-04-15
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
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:
I received a phone call from Weltman, Weinbeg, & Reis Co, LPA back in XXXX of XXXX. They did not identify themselves as such and demanded my personal information to which I refused and then got hung up on. I called back and told this company to mail me whatever it was they said I owed and that I would not be giving my personal information out. The next thing I know I was served by the Police Department for a Summons and a Complaint for a judgement in XXXX XXXX MI based on a XXXX XXXX credit card which I had in Florida. I looked up my information on the court systems and I have to date XX/XX/2019 see no case pending. I called XXXX, They told me that they were going to not only sue me but garnish my wages, seize my tax return, place liens on my property and seize any real property I own on a XXXX credit card debit unless I agreed to a consent judgement filed with the courthouse and agreed to pay them. I honestly thought at first it was legitimate considering I talked to an attorneys named XXXX and XXXX XXXX and initially agreed to pay them a settlement of {$2100.00} of installments of {$520.00} a month with the balance payable within 90 days. I feel that this is a violation of FDCPA and my rights as a consumer are being violated ... ... .PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: ENOVA INTERNATIONAL, INC.
State: MO
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:
XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, XXXX XXXX  XXXX, notified of the fraudulent inquiry made in to a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of a fraudulent inquiry into a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: M&T BANK CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Date of Loan : XX/XX/2014, Term 75 months, Monthly payment XXXX. During the first 14-20 months payments were made on time. I ran into unanticipated financial hardships and payments began to age. The bank failed to mention extensions were available to me. Once informed of the potential for an extension the bank stated the account would have to be " in good standing '' to grant an extension. This took several more months to achieve resulting in additional late fees. I ultimately qualified and was granted extensions, however I incurred an extraordinary amount of late fees. Each month was late was equivalent to over {$150.00} in late fees. Approximately 15 % of the monthly payment. My account is current except for the late fee portion which is currently over {$2000.00}. I already paid a substantial amount of late fees that are not reflected in my statement. Before the loan matures I would like to resolve the late fees and identify if the late fees are appropriate and legal. I've tried on several occasions to resolve the late fees with minor success. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts has reported on my credit file due to identity theft and absolutely no knowledge of mines therefore I'm asking them to be removed immediately in concert with the laws of the FCRA. I'm demanding these accounts be blocked, XXXX XXXX XXXX {$78.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX  {$300.00}, and XXXX XXXX XXXX {$91.00}

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
Consumer complaint received 2019-04-15
Company: Navient Solutions, LLC.
State: TX
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:
This is the 3rd time it has happened and this is the 3rd time I am submitting a complaint on CFPB for the same fraud attempt by Navient ... ... .. Navient has again, wrongly applied my federal student Loan payments, ( Cashiers check # XXXX, cashed on XX/XX/2019 ) for loan ID ; XXXX, XXXX and XXXX, to loan ID : XXXX. I had both written the instruction on the check and sent in a separate letter with written instructions, as they instructed, but for some reasons, they again decided to apply the payment incorrectly. 

I am starting to believe that this is an attempt from them to fraudulently apply the amount on a loan without any authorization!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CreditNinja Lending, LLC
State: MO
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:
XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, XXXX XXXX  XXXX, notified of the fraudulent inquiry made in to a XXXX  report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), Credit Ninja, notified of a fraudulent inquiry into a XXXX  report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX  XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).

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 2017-11-30
Company: Experian Information Solutions Inc.
State: SC
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 have submitted countless verification letters to Experian and XXXX in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX XXXX. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.

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 2017-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX XXXX XX/XX/XXXXand will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and it got me no where. Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase transferred my home mortgage to XXXX XXXX XXXX effective XXXX-XXXX-17. I made a payment, a checking account transfer which I did get a confirmation number from the phone agent. Well, I have not received a single piece of information from them, they wont even tell me my account number. Im in Chapter XXXX bankruptcy so the phone jockey said I have to get approval from my lawyer to give me account information. He has not heard from them either. I looked on the Consumer Affairs Complaints website and its filled with similar complaints and those complaints frighten me because they put good folks into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: AES/PHEAA
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: Information belongs to someone else

Complaint:
student loan with XXXX XXXX reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had closed my XXXX account expecting almost 40 dollars in interest as the balance was over XXXX dollars at .75 % interest. They claimed there was only XXXX cents interest originally, but then said they had mailed a check for the real interest in an email, then said they did not. I am a senior on XXXX and they took advantage of me. I can not even get through on the phone, tried many times. XXXX I want my almost 40 dollars in interest sent to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05
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:
To Whom It May Concern, I was on my XXXX XXXX account middle of XXXX. I had noticed there are some missed payments on here that I feel are 100 % inaccurate and that I pay on time. I have tried calling these companies the past few days but it's been long hold times as of XX/XX/2020. I am going to send you guys pictures of the late fee 's I am talking about. I want this all to be fixed under fair credit reporting act. I have always paid on time so I am unsure how they feel I had late fee 's if I ever was late I am sure was worked out. Any help here to get this accurate would be great. thank you for your time. Anybody has any questions please feel free to call me so we can resolve this.

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 2021-05-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since 2019 Shellpoint Mortgage Servicing has been placing force insurance. Every month I have been getting letters saying that I owe over {$2000.00}. My insurance company has been calling and sending them documents over and over again, showing that I have insurance and they always say they will take care of it, but they never do. We fax and fax and fax documents and once they said that have it, then they say we need the master police insurance, which both my insurance policy is with the same insurance company. Then they will say that they have the master policy, but need the other insurance, after they said they have it. I can not sleep at night. I continue to make my payments. Now they say they fix the force place insurance, but I owe money, because the payments I have been making they been holding and say I owe. its been awful. My insurance company is fed up, but will not give up. I am going through XXXX. I make my mtg payments before time and its not right. I ask them, how am I behind and I am making my payments on time and they can not answer. They say they will put a tickle in, it has been 3 weeks now. They harassment me almost everyday, but can not answer my question, where is my mtg payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: ENOVA INTERNATIONAL, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Hello I XXXX XXXX XXXX have not applied for a loan or tried for a long time and this is a payday loan company called CashNet USA. I have not to pull a business or personal loan at all and would all say there is a guy as well trying to still my company name? I am reporting these issues because this particular company or person ( s ). Are trying and keep trying to still my business and personal information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Hi A few weeks ago I filed a complaint with the CFPB. The complaint was about a charge on my credit card for XXXX XXXX. The airline did not hold up their itenirary and even charged my account beyond that without my authorization. 

Bank of America did not solve the dispute in my favor and gave me no recourse. Furthermore they did not properly file the dispute to begin with. Someone from Bank of America ( XXXX XXXX ) reached out to me on XX/XX/XXXX and asked me to call them. 
I have sent them 7 emails and have left 8 voicemails in the past 2 weeks with nothing being returned. I have also requested in email a time to speak with this Bank of America Representative. 

I am currently being charged fees on this and bank of america is not responding to me at all.

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 2021-02-04
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was used fraudulently to open a personal loan on XX/XX/2018 with GOLDMAN SACHS BANK USA account # XXXX balance {$11000.00} This account is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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