BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
Company: Paypal Holdings, Inc
State: AZ
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 has withheld my money after a transaction from XXXX, where I sold an XXXX. They tried to tell me that there was suspicious activity on my account, but I later found out thats not true, their automated System lags certain things and they cant tell you why or when it will be resolved. After 10 days I finally was able to verify my identity and get my money. Fast forward three weeks later, which is a couple of days ago, I sold two more items on XXXX and I have no other way to get paid other than through PayPal because at this time PayPal is the only financial money transfer service that they use. Well they decided to limit my account again not allowing me to access money that I put in there and has nothing to do with XXXX. They asked me to verify some information which I did, but not before I wrote them a few nasty messages telling them how I feel about them and the XXXX  that they have put me through. Whoever read my messages didnt like what I said and had the power to permanently remove me from PayPal, and telling me that I can not touch any of the money in the account for 180 days, at which point they will let me know how I can access my money. This is unacceptable that I have to wait 180 days or even three days to touch money that is mine I did not choose to do business with PayPal, it was my only option and I was forced to. I chose to do business with XXXX, nowhere in any of the agreements did it say that I had to use PayPal only and now Im being penalized because of Paypals monopoly on XXXX. They have stolen money from me by holding {$770.00} of my money a few weeks ago and would not allow me to touch any of it unless I paid {$440.00} that was for some One else is debt, and I had no choice because they told me it was either pay the XXXX Ill be able to access {$330.00} of my money or they would keep all {$770.00}. I thought {$330.00} is better than nothing so I paid it, everything was fine until I try to use them again, at which point they put more holes on my account and had me jump through more hoops, which I did and I submitted everything they asked except a definitely abused them verbally through emails, at which point they put me in the spot Im in now. They have cost me a lot of money in late fees by not allowing me to access MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage is habitual in sending escrow overage checks and then raising the monthly payment amount to " cover escrow shortages '' in the same week. They have also paid for ( out of escrow which did n't have enough funds ) for coverages that were already paid for by the loan holder ( and Nationstar was TOLD that the coverages were PAID BY THE LOAN HOLDER and no payment was necessary. Yet, Nationstar created an escrow shortage and DOUBLE PAID the coverages. I have been trying to work this company on straightening out this situation since XXXX, 2015. I do n't believe that NATIONSTAR listens or provides ethical practices when it comes to dealing with their customers. What steps can I take. I am on a fixed income and can not refinance to " get out from under them. ".

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX. XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00}

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 2019-11-05
Company: EQUIFAX, INC.
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:
I was a victim of fraud someone had opened up an account in my name XXXX XXXX # XXXX. I never had a account with the following companies XXXX XXXX FKA XXXX # XXXX. Please delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: MBA Mortgage Services Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Appearance of some type scheme they may have been involved in with the mortgage company agent that didn't allow me to use and FHA Grant (  XXXX XXXX ) that I qualified for and offering another type of loan at the very last minute. I was never given a clear answer as to why they would not accept the grant. 

They lenders were very unprofessional and seemed to drag everything out intentionally. The whole process was unnecessarily stressful. They were still going back in my tax history having me pay off claims that I had already worked out with IRS as far back of XX/XX/XXXX, for example. None of this made sense to me. Since they had waited until the last minute, I had to deplete my savings and retirement account to come up with the down payment. 

I was devastated because I really thought I was in a great situation to purchase a home at that time. 

They constantly " strung '' me along, with periods of time of not taking my calls, lying about why they weren't able to respond to me, saying that documents I sent them were not readable, or they didn't receive them. Also, throughout the whole process I was assured everything was okay and that I would be closing. The closing date was pushed up at least 4 times. I never understood why this kept happening. All I know is it was extremely stressful and weird. 

This all seemed to be intentional to cover something up about the grant that I qualified far If I didn't quality, shouldn't they have let me know sooner so that I could have made a better choice earlier on before I had put so much money and time into purchasing the home. .On the day of " closing '' they were still saying they would not be able to quality for one flimsy reason or another. I was still running back and for the to XXXX re-sending docs they said they didn't receive. I actually didn't meet with the realtor attorney until XXXX that XXXX at his home. 

To top this off, I wasn't able to address some issues I had with the property. I was lied to by the realtor that a " walk through '' wasn't needed because I trusted him when he assured me that everything had been taken care of. 


I feel strongly that something sinister was going on. 

Please advise.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022

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 2020-07-25
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017 {$1100.00} reported negatively on my credit profile from a company I never did business with or ever had a contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: CITIBANK, N.A.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was on the phone with a citi manager representative XX/XX/XXXX, debating about a late fee that I just occurred. I just took a new loan with them and I thought the payment was different than my usual one. That Manager has zero skill of customer services. She said I had 2 late fee removed one in XXXX and one in XXXX and also that I occurred 5 late fees which I gladly paid. The fees and interest I paid them is not worth debating a XXXX $ late fee, she should have just remove it. I have been with them for a while now and never had any trouble until today. The worse for me is that she has the audacity to hang up on me after arguing and getting me more pissed off. I called back and ask her why she did it and she said it was because I was frustrated. Im a XXXX XXXX myself and the best way to calm a customer down is to listen to their frustration even though you know there is nothing that can be done. It is very sad to end a long term relationship, for a person representing Citi that have poor knowledge of customer service. This is the first time I experience this type of disrespect and she is supposedly a manager. What a shame what a shame very disappointing. That so called manger might move on to better opportunities while because of her The Citi company name will be tarnish forever. She let me know that there was nobody higher than her, no one can call me back, and no one to take my complaint about her poor handling of the situation. She gave me a fax number XXXX and a P.O. Box what a joke. Since Citi doesnt have a place to listen to my complaints, I will use this platform to express my disappointment.

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 2019-10-26
Company: Revenue Enterprises, LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have discussed this case with a lawyer and found that under federal law, the original creditor, XXXX XXXX XXXX XXXX, can not report a late payment to the credit bureaus until it is 31 days past due. I sent evidence that my first statement date from my XXXX hospital stay was XX/XX/19. It showed that my payment plan required {$50.00} to be paid by XX/XX/19, and I showed evidence that the payment was paid on time by credit card. My second statement date was XX/XX/19, and stated that my account was past due. At that point, the 30 days starts. They sent my account to Revenue Enterprises on XX/XX/19, only 13 days after it was reported to be past due, even though I showed evidence that I made the payment required on my payment plan within 10 days of the statement date. I then received a bill from Revenue Enterprises dated XX/XX/19, only 15 days after my account was determined past due, which is only 1/2 of the time required by federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I withdrew {$1500.00} from CashNetUSA, and paid them back {$1500.00}, resulting in a remaining account balance of {$1300.00}. I have paid them back 100 % of the amount withdrawn and they claim i still owe 90 %. So what they are representing is in order to pay back {$1500.00} i will end up paying them {$15000.00}. Which means 1,000 % interest on loans! They have taken 7 payments in 4 months, XX/XX/19 - XX/XX/19, and will continue unless someone saves me!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or around XX/XX/2021, I made a {$7500.00} bill payment from my Schwab bank account to a XXXX XXXX credit card account. I made the payment in error as the credit card that I was paying had been closed. 

Since this time, I have spent numerous hours on the phone with customer service representatives who have been unable to find resolution. On multiple occasions, we have been advised that an investigation has been initiated and that we should call back in 14 or 30 days. 

The Barclay Bank representatives follow a script and in nearly every instance they advise that they are having system issue and request that we call back. We have called Barclay Bank dozens of times- this is no exaggeration, as phone records would illustrate. I have attached the proof of payment below and yet this remains unresolved. 

Further adding to this issue is the fact that XXXX XXXX  outsources all bill payment activities to a third party, thereby reducing their accountability for helping to drive resolution. 

Today is XXXX XX/XX/2021, and this situation remains unresolved. I am fully prepared to hire an attorney at this point. 

Thank you for your consideration of this matter.

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 2019-01-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The XXXX Chase credit card is marketed and advertised on the XXXX website as a 0 % apr card. And it was till randomly now, 2 months after I got it. I got it last XX/XX/XXXX. Made about {$500.00} in purchases. The first month after- as promised no fees. The second month after - not only was there interest accrued, but they also XXXX   out my over XXXX promotional points that I was going to use toward the balance. I dont even get why they got rid of that. There was NOTHING about if you dont use the points within a certain amount of time you lose them, OR about interest being accrued after only 2 months. Maybe in microscopically worded fine print I got a month later- but not at the original e-signing or wouldve never gotten this card if they wouldve been up front about any of this.The guy on the phone said I must have gotten the interest charge due to buying something not on XXXX   which is impossible. I closed the card as soon as I got it in the mail and only used it online. In short- I demand my promotional points back and interest taken off. I wouldnt have gotten this card either if I had known it was Chase since theyve defrauded me in the past- thats how little they tell you at the e-signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Southwest Credit Systems, L.P.
State: MD
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: Problem with personal statement of dispute

Complaint:
SW CREDIT SYSTEMS INC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, SW CREDIT SYSTEMS INC. has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint surrounds the illegal execution of a foreclosure sale completed on XX/XX/2015.I have requested on multiple occasions for XXXX XXXX , XXXX. ( XXXX ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from XXXX, nor Nationstar Mortgage Servicing ( NSM ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
New Jersey foreclosures are administered through the court system. RULE 4:64. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. XXXX, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. 2a 50-53 : I have requested case numbers pertaining to these foreclosure filings and XXXX has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. 

We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
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:
After reviewing my report I found numerous accounts and inquiries listed on my report that I have no knowledge of. These items are a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan application filed in XXXX. In XXXX appraisal schedule and all required document uploaded after appraisal by customer. Penfed closed the file of loan and by themselves in XXXX without notified customer and and in XXXX now refusing to refinance with the same rates which was locked and asking to refinance at higher rates.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 DISPUTED WITH TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
notice hard inquiries on my Transunion report

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 2022-09-17
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
{$75.00} was charged to my PayPal by a XXXX company. I have spent 3 hours on the phone with PayPal. I filed a claim with PayPal and they immediately closed. Now they have transferred me to 4-5 departments with no resolution. I have no idea what to do next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXXXXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT FOR UNLAWFULLY OBTAINING MT XXXX AND EQUIFAX CONSUMER REPORTS ON BOTH XX/XX/2020 AND XX/XX/2020 WITHOUT MY AUTORIXATION OR A PERMISSIBLE PURPOSE UNDER THE FCRA. I HAVE MAILED THE FOLLOW LETTER ATTACHED TO YOUR OFFICES VIA USPS CERTIFIED MAIL TRACKING NUMBER XXXX.

Company response to consumer: Closed with explanation