BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: EOS Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My first call with them was very abrasive I had no idea that my account that was joint with my XXXX aunt had been sold to a 3rd party collections. I received no written notification just a report on my credit report and then the calls started. The agent was condescending and gave me no information just wanted a payment the call was disconnected. They have continued calling me 2 to 3  times every other hour from different numbers. My credit report is showing that the have charged almost 93 dollars in addition to the original loan and they are reporting to the credit bureau more than 1 every 30 days. The dates reported are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original loan amount sent to them was XXXX. They are saying I owe them over the course of my alleged acct being with them 4 months, according to my credit report, XXXX. Still no written report have been sent to address although confirm with the agent and the calls have continued. Prior to the account being sold XXXX XXXX harassed not only me but my sick aunt and called multiple times an hour within one day and through it all I didn't even know it was illegal until recently. They were telling her they would come take my degree, I would be arrested, they would garnish my wages and her SSA, they were going to send government officials to my door. This has been trying considering she XXXX  shortly after those calls and now I'm grieving her death and this mess with the EOS CCA and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There were multiple issues that I had with NetSpend this previous week. It starts on Monday XX/XX/2018 I realized that there were multiple charges that were made on my accnt that were not mine and I disputed such charges. I also disputed a charge for an ATM withdrawal where as usual no money came out and I was still charge the amount. So I disouted such charged that totaled over XXXX dollars and was advsd that I would get a provisional credit in 10 days. Ok thats fine however I called them to order a new card and paid to have the card express shipped, Which was done. However once I received the card I could not activate the card. I called in and was advised that the card was closed and my balance wa mailed to me which means that every dollar that I had no longer is accessible and once the credits are placed on the accnt that they are going to have to mail that check as well. All I am looking for is the money that belongs to be overnighted in a check to me and no more dealings ever with Netspend. This has been the worse exeperience ever.

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 2021-11-03
Company: CITIBANK, N.A.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Opened Citibank checking account with {$200000.00} because of their {$1500.00} incentive After meeting 2 month requirement I attempted to transfer money out of the Citibank account Was limited to $ XXXX per day so initiated multiple tranfers over multiple days 2 of the Transfers were redeposited back into my CB account ( supposedly because of a CB internal error ) and 3rd one was cancelled due to security alert ( I responded with all requests for information regarding security alert and was informed it was approved ) I have complied with every request but it is clear CB is simply stalling my transfers in order to keep the {$200000.00} in their bank I am also being charged for $ XXXX {$40.00} for transfers that were not completed

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 2019-05-29
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED FOR BANKRUPTCY CHAPTER XXXX BACK IN XXXX. I WAS BEHIND IN MORTGAGE PAYMENT FROM XXXX. I WENT THROUGH A TRUSTEE TO MAKE PAYMENTS BUT CONTINUE FROM THAT POINT ON TO MAKE ON TIME PAYMENTS TO OCWEN MY MORTGAGE HOLDER. IN XX/XX/XXXX I STARTED GETTING LETTERS FROM OCWEN FOR DIFFERENT PAYMENT AMOUNTS. I TRIED CALLING BUT BECAUSE I WAS IN BANKRUPTCY THEY COULD NOT SPEAK TO ME. MY BANKRUPTCY WAS DISCHARGED IN XX/XX/XXXX. I GOT 8 DIFFERENT LETTERS FROM OCWEN IN XXXX AND XX/XX/XXXX I TRIED CALLING TO CLARIFY NOW MUCH I SHOULD PAY AND THEY STATED THEY COULD NOT TELL ME BECAUSE THEY HAVE NOT RECEIVED BANKRUPTCY DISCHARGE NOTICE. SO IN XXXX I PAID THE SAME AMOUNT AS I DID FOR THE PAST 7 YEARS. I HAD NO FURTHER CONTACT WITH THEM AND I PAID VIA PHONE AND I PAID AMOUNT OWED AS STATED BY THEIR COMPANY. I FIND OUT IN XXXX OF THIS YEAR WHEN I WENT TO REFINANCE THE HOUSE THEY REPORTED ME AS LATE FOR XXXX FOR XXXX STATING I DIDN'T PAY THE POST PETITION AMOUNT. I CALLED THEM ABOUT THIS AND ONE REPRESENTATIVE STATED I MISSED PAYMENT IN XXXX. THEY REFUSED TO REMOVE THIS PAYMENT FROM MY CREDIT REPORT AND I HAVE ALL RECEIPTS OF PAYMENT FOR THE ENTIRE YEAR OF XXXX AS BEING ON TIME. I WOULD LIKE THIS REMOVED IMMEDIATELY AND THE ACTIONS OF OCWEN ARE UNJUST UNFAIR AND VIOLET FEDERAL GUIDELINES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX. I became XXXX XXXX in XXXX 2015. I am a XXXX and could no longer work on my feet. I took a XXXX job from home and a {$100000.00} cut in pay. I notified Freedom Mortgage and asked them if I could to a deed in lieu of foreclosure. They did not even suggest any way to help me. They just kept asking for paperwork to prove I was not making the income as before. They told me there was a lien on the property, we called about it and could not locate one.  Based on the untruth that there was a lien, they denied the deed in lieu of foreclosure. They went ahead and foreclosed. The thing is, that property sat there vacant for over a YEAR. By the time the auction went through, the house was worth MORE than they sold it for! They are not there to help the veterans at all. If they would have worked with me, I could have sold that house for MORE than what was due. Now, they are sending ME bills, with added late fees every month, for attorney fees ( which they could have avoided ). I am requesting this be made right by taking the foreclosure off my credit report. Once all the information comes to light, you will see that this request is fair and reasonable. Thank you in advance for your assistance in this matter. Sincerely, 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 2020-08-30
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2019 walmart rewards credit card was taken over by capital one from XXXX XXXX. XX/XX/2019 I mailed a check totally {$180.00} to Capital One per the credit card statement I got in the mail. On XX/XX/2019 the check cleared my account as an automatic debit, then 2 days later on XX/XX/XXXX Capital One stated the amount was returned to my account due to insufficient funds. On XXXX XXXX stated the process of contacting Capital One due to Capital One charging me late fees and then in order to get my account in ok standings I had to pay double the minimum payment and was charged incorrect interest, since this time I have spoken to 25 different people at Capital One. XXXX, XXXX, and now XXXX from the Financial Resolutions Center Senior Account Specilist have contacted my bank with me on a speaker call and the bank has verified the account was never negative and the total of {$180.00} was taken from my account and never returned. No matter who I talk to no one can help me they tell me someone else needs to fix it. I have also stopped receiving the calls set up by the reps. XXXX has told me she can credit my account but will not do it due to needing to locate the money. I have contact the XXXX and they have not gotten a response from Capital One. I have spent countless hours trying to just get to the same person I last spoke to on the issue and cant ever get to that person. For an upper account rep to tell me they can credit but will not is extremely unprofessional to me. Capital One requested a copy of my check which I cant provide to them due to the automatic debit that was taken from my account. They are not accepting my bank statement that clearly shows it was aken out of my account and no insufficient funds charge. This was asked of me after I wss told by XXXX and XXXX they will not accept a paper copy of my statements, they stated they do not accept that form of verification yet now I'm being asked to provide this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24
Company: Exeter Finance Corp.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
this company called XXXX XXXX is a riff company paying car bills for alost 3years failed to provide gap when i bought the and over charging me i was giving the chance to go throu the loan and for me and the interest. amount remaining blc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: NC
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 uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX  does not have any files to verify these accounts, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I took my dog to see XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX I was not happy with the services provided and several days later contested the charges of {$170.00}. 

The XXXX XXXX XXXX agreed with me and agreed to waive these charges entirely ( email enclosed ). 

I submitted this proof to XXXX XXXX XXXX XXXX XXXX : Case ID : XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX refuses to return the funds the vendor agreed to waive. This is clear violation of their terms of agreement regarding investigating disputed charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-07
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:
I have inquiries from Transunion and a public record from XXXX, showing a bankruptcy filing as a public record that is not mine. ( See Attached Letter and Notice of Dispute with Identity Theft Report/Notice ) I am requesting a dispute and removal of ALL items under the FCRA.

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 2018-03-30
Company: TRANSWORLD SYSTEMS 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: Their investigation did not fix an error on your report

Complaint:
I closed an account with XXXX as I sold the home. Moved to XXXX from XXXX. Even though I gave my forwarding address, I never received any kind of final statement. I never even thought about it until I heard from XXXX a year later ( XX/XX/XXXX-XX/XX/XXXX ). I paid the bill immediately over the phone and expressed my anger that I had never heard from them before now. TSI told me that if I paid it would be not be reported. It is on my credit report ( as paid but late ) and costs me money as it affects my credit score. 
I have spoken to both XXXX and TSI. Each says the other is responsible and neither one has the power to remove this from my report as neither one placed it. 
I am very frustrated with the lack of resolution from a debt I would have paid had I ever received a statement and did pay over the phone once I heard about it! 
Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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: Was not notified of investigation status or results

Complaint:
In XXXX i submitted a credit dispute to experian credit agency. Regarding some items on my credit report. The investigation was done incomplete and the account XXXX XXXX XXXX Was not included in the investigation results. I wrote the credit bureau experian a second time notifying them of their violation of FCRA which states a FULL investigation must be done in 30 days and an account was missed. When i wrote them notifying them of this error they sent me a generic response notifying me of another 30day investigation being opened. 

It should be noted both XXXX and XXXX did a proper investigation and the account in question was deleted. I encouraged them to review the first document sent to them in XXXX where the proper dispute proof was. Because of this generic response im uneasy about a proper investigation being done and because of experians blatant violation of FCRA LAWS.

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 2020-11-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
My Paypal has almost {$78000.00}. Paypal decided to put limitations with my account on XX/XX/2020. And they sent me email says I need to provide the information about two transactions, and I provided the information to them, then they told my my account is frozen for 180 days, after 180 days I may withdraw the money. I logged into my paypal during this period, and the money was still there, but today I tried to login, and the password is changed, I reset my password and logged in my paypal, I see all my money were taken and send directly to paypals own account, and says its for covering the paypal damages, total money were taken in two transactions, one with {$52000.00} one with {$24000.00}. This is a lot of money, I do not have any history of chargebacks with all the transactions, but they told me im violated and money held for 180days and now took everything away! I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: First Associates Loan Servicing LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Signed up for an online medical course in XX/XX/2013. I was not able to complete the course I notified the loan company and school who would not cancel the loan disputed numerous times still keeps popping up on credit report. I am not responsible for the debt as I did not complete the course.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: AES/PHEAA
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been repaying by debt through the XXXX XXXX company. On XX/XX/XXXX I requested a record of all the payments I had made on Federal Student Loans. I asked to get a record of what payments I had made, and which ones qualified toward repayment. I was told that it would take 3 months to get a detailed summary of my loans, what qualifying re-payments had been made, and a record of which of those payments counted towards PSLF. I never received this report. In previous years ( before XX/XX/XXXX ) there had been a tool on the website showing that I had 4 or so years towards my repayment, but such information has disappeared from the website. 
I have been repaying loans since about XXXX, but when I consolidated my loads through PSLF, either all records of those payments were lost ( I have records ) or else they were not counted towards PSLF repayment. The years fromXX/XX/XXXXXX/XX/XXXX - XX/XX/XXXX, though I had been XXXX and paying loans, which I made sure to check were qualifying, were lost. 
Another complaint is that when I am asked to re-certify with an employer, I do so, and I also request that XXXX ensures that I am currently enrolled in the correct repayment plan. I have no way of verifying this or making sure that the payments I am making qualify. 
When I am asked to submit documents I do so, but almost every single time I am sent a form letter about how some of what I submitted was incorrect, and I am forced to make a call ( hold and transfer time 10-30 minutes ) to XXXX to find out exactly what it was. Case and point, I was given a form that told me to submit records of my income. I submitted all XXXX and XXXX forms ( which in step 5 of the IDR form was what I was instructed to do. Nothing was said about tax return forms ) with my income from XXXX, an in return I was sent a form letter that did not specify what I had incorrectly submitted, but letting me know that my request was rejected. When I called, I was told that I was supposed to have submitted a tax return form, though it was not specified on the form and instructions I was originally given. 
My specific complaint is that XXXX is withholding information necessary to participate in the PSLF program, and is making it unduly difficult to submit information, ensure you are fulfilling requirements, and receive information about my student loan and repayment. Any other entity dealing with loans and other financial matters would not be permitted to mismanage information in such a way that XXXX has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Medical Data Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed that this was on my credit report almost six months ago. I reached out the billing agency at the hospital to let them know I never received a notice and to advise that I had XXXX that was not billed. I told them I never received a notice from a collection agency or even their facility to advise me that I had a balance. I was told I would receive a copy of the HCFA 1500 form ( which I never received ). I asked that this be withdrawn from collections and filed to my insurance but that still has not taken place. This hospital has violated my right as a consumer to dispute or even validate this debt within a 30 day timeframe but I still have not received validation. I have disputed this account several times through the three credit bureaus to which, this has never been XXXX XXXX on my credit report. I see that this company has currently been sued and I plan to seek litigation myself if this is not removed from my credit file immediately due to their several failed 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 2021-06-10
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:
XXXX XX/XX/2021, XXXX ( XXXX XXXX XXXX. My account ( PAYPAL ) got banned ( permanent limit ). They emailed me that, " You can no longer do business with PayPal '' Because of that, my hard earned money got hold in my paypal wallet. It is very unfair that they did not allowed me to explain. And very very unfair, after they earned in every single transaction I made. They Limit my account without consideration and they hold my HARD EARNED MONEY. We are now in pandemic. I'm very upset to what happened. Because of pandemic, Virtual sending money is necessary right now. 

If paypal don't like me to be their customer anymore, at least let me get my HARD EARNED money. My father is XXXX XXXX right now, I am the one who paid medicine. 

my paypal account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have reached out to the companies about the accounts not having the correct information,

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