BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To Whom This May Concern, Pursuant to 15 USC 1681a under Exclusion section B, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Congress said any card. The credit card is my social security card. This credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ).

Pursuant to 15 USC 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. When a consumer report creates an investigative consumer report, they are not to include factual information and they're also supposed to interview my neighbors and friends or associates. Credit reporting is optional. There is no law saying that any consumer credit transaction has to be reported to a consumer reporting agency. A consumer reporting agency isn't a part of any political subdivision or the government. At the beginning of the FCRA under the congressional findings, Congress removed themselves from liability letting me know that this is an elaborate mechanism and you people assumed this vital role of reporting credit information.

I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. If you do not remove it then you are civilly liable for reporting this information and it is inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2018-12-05
Company: Payward Ventures Inc. dba Kraken
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Im am unable to withdraw money from my account. In order to withdraw funds they require a photo of me holding my ID and a sign. I have sent in multiple versions and they keep denying it. This is an absurd way to verify and then do not offer alternatives to verify, they wont even speak to me on the phone. I cant withdraw my funds!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2018 I deposited a check in the amount of {$370.00} with Fifth Third Bank. After 4 to 5 days I called Bank customers service regarding my check status, the representative told me that your check returned due to non sufficient fund, when I called to confirm their claim to check issued institution XXXX XXXX and they stated that check was cashed on the same day XX/XX/2018 and my bank put illegal hold on my fund for 10 days to use my money for other business and giving me falls information. 
This is not a first time they have been doing the same thing since very long and I would say its a regular practice of the bank to put unnecessary hold on checks. 
Bank also hiding the information of the back of check facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: FISERV INC.
State: RI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a RI XXXX XXXX. I am writing you because I am having some difficulty with one of my financial services. As many XXXX  I use a credit card reader to accept payment from my XXXX. XXXX  XXXX XXXX XXXX XXXX is my provider. Also Fiserv is the company servicing them and charged me ( see next Paragraph ) On XX/XX/XXXX I contacted them in regard to possibly get out of my contract without penalty. In conversation with my point of contact ( POC ). I stated that my contract obligations are up in XX/XX/2021, and asked if I could get out of my contract early waiving my monthly fees and {$500.00} penalty for cancelling contract. This was just an inquiry. 

The very next day XX/XX/XXXX, my checking account was charged the {$500.00} penalty. I immediately contacted my POC and I stated that my conversation with her was just an inquiry and I would like my account reimbursed the penalty. Long story short, through multiple phone and email conversations my POC stated that the request for refund is still in process. To date my account has not yet been reimbursed and on top all this I am still being charged a monthly service fee. 

Please let me know if you can assist me in this situation. 

This is my POC at Fiserv, the company who handles these services : XXXX XXXX Client Engagement Specialist SMB Client Engagement Team 1 XXXX  XXXX XXXX XXXX, MD XXXX Office : 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 2022-08-05
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
An unauthorized user used my daughter 's door dash account, which is attached to my PayPal account, to make unauthorized purchases. I discovered this on XX/XX/XXXX and immediately changed my password and put 2 factor authorization on. The purchases totaled over XXXX dollars. I contacted PayPal, they said they would remove the charges. Next they sent me an email to say one charge would be reimbursed but all the others would not be reimbursed. They reimbursed a charge of XXXX but said they would not reimburse for the others -- the others are exactly the same, so why would they reimburse one charge and not the others when they are all EXACTLY the same?? 

I was out of XXXX XXXX and did not use the XXXX XXXX  account -- and did not realize the fraud until I was back in the US -- and at that point the person who stole the log in information had stolen over XXXX dollars from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When I submitted dispute to Equifax they requested that I fax in a number of documents. The fax number they provide on their forms is incorrect and has been this way for over a year. I have attached the form. Call the fax number yourself ... it's disconnected Clearly - they haven't corrected it to make the process more difficult for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hard inquiries that is hurting my credit score. I didnt authorize these companies to run my credit on this date of XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX XXXX XXXX  XXXX  inquiry from XXXX XXXX XXXX XXXX inquiry from 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 2019-01-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I own a rental house located at XXXX XXXX XXXX, XXXX, TX XXXX. I received an approval for a permanent modification that I had made 4 trial payments before they approved this final approval dated XX/XX/19. The modification is written like a hard money loan with all kinds of bogus fees and late charges that I didn't know I was being charged. They also have the terms of this modification to included a balloon payment of {$100000.00} at the end of the payments. Please review these modification documents I will send with this complaint and it will show you everything I'm trying to explain here. The 3 -4 payments that I had paid were put in a forbearing account and not applied towards the mortgage balance. It appears to me that not any of the payments I've made over the past years were never applied towards the principle balance. Instead they have increase the original loan to over {$70000.00} in fees I just don't understand. I thought that a loan modification was to help not punish me because I had some hard times. I've suffered through 2 hurricanes Ike and Harvey that caused me damages and my house is in need of much repairs. This lender has inflated the value of my house by over XXXX XXXX XXXX dollars. They had a broker do a BPO that was done by computer sales of properties with the same square footage, but they were not in the same community as well as these houses were not in need of repairs as mine is. Please help me understand why this lender is trying to hurt me and not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a XXXX Credit Card for XXXX XXXX. On XX/XX/XXXX I learned that they charged me a finance charge of {$1600.00} on a {$1500.00} debt. I had paid on the debt more than always on time and more than the minimum amount. 
Apparently my 24 months of 0 % APR had expired on XX/XX/XXXX. Thus they charged me interest/finance charge on the original amount. They charged in on XX/XX/XXXX and I spoke to them about it on XX/XX/XXXX and offered to pay the total amount I owed - which was {$1500.00}. 
I escalated the matter to several managers and they told me that I had some wiggle room around the XX/XX/XXXX but because it was outside of 2 - 3 days they could not help me. I ended up paying the full amount. 
I understand that I did not read the fine print as closely as I should have. I also was getting paperless statements. 
I am asking if you can help me out so I can get some of the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new checking account with fifth third bank on XX/XX/2018 with {$50.00} deposit. About a week later I check the transactions, the new account is negative {$60.00}. The two transactions were XX/XX/2018. The first transaction was for {$27.00} and the second transaction was for {$40.00}. I did not do either of these transactions. My new debit card did not arrive at my address yet. I called customer service to explain these fraudulent transactions. 

Also, the transactions were made in XXXX XXXX and XXXX XXXX XXXX. I have not been in this area of the city in months. The merchant that approved these transactions should have cameras. Were these debit or credit transactions? If pin was used, how was it activated? If credit, you can compare my signature with the thiefs signature. Fifth third sent me a letter stating they will be reversing my temporary credit of {$67.00} on XX/XX/XXXX. The bank states the card was not reported lost/stolen. How can I report card lost/stolen if I was still waiting to receive it by mail? I want my {$67.00} back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hello, I contacted Equifax on or about XX/XX/XXXX after I received my credit report. I noticed a lot of inaccurate information and decided to dispute and ask for validation. I started with inquiries that I did not authorize. I wrote a letter to Equifax and haven't received a response. Under the FCRA 30 days is typical. I was able to get the CEO 's email after my many attempts to call and resolve these have failed. My email went unanswered by XXXX XXXX. 

The FCRA states the only permissible purpose for pulling someones credit report is ) - Firm offer of credit - insuarance - employment - a court order none of the below do, and i repeat none of them had/have my permission to pull. 

- XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX   XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX I have contacted this company via phone, email and USPS more times than i have can count on my fingers and am now asking the CFPB to step in and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
JPMorgan kepts my {$1500.00} Dollars. I have the right as the account holder to access my nank details and my money any time I want. refusing my online banking rights because I am a foreigner is racism and discrimination by Chase bank and the CFPB who efuses to take action. I want access to my money again. The company has to propose a fair solution that gives me access back to my account and my bank details. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Palisades Funding Corporation
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I place a phone call to a XXXX XXXX known as : XXXX XXXX XXXX XXXX XXXX 
In regards to a collection account place on my XXXX credit report after a random check of my consumer profile review. 

Unfortunately I was not able to receive the name of the woman addressing incoming phone calls do to her lack of respect and disregard of properly identifying herself. 
She insisted I give her formation, name, case number, XXXX. 

I felt extremely uncomfortable therefore I am filing this complaint to inform, XXXX XXXX XXXX XXXX, that this unknown and unverified collection account is showing multiple an clear inaccuracies. 

I made an attempt to contact and receive information to understand how they come to the conclusion of their calculations with the sum of : {$1500.00} Which is completely and absolutely inaccurate from XXXX and XXXX that is reporting {$1500.00}. Also on XXXX the original creditor is reporting {$1500.00} Also its clear the account is closed but was updated on : XX/XX/XXXX as an open account. 

It appears attempts to violate my rights are being committed which is a violations of the FCRA under the law regarding Re-aging accounts. 

- XXXX XXXX XXXX reporting a update on : XX/XX/XXXX with original creditor. 
- XXXX is reporting a update on : XX/XX/XXXX - XXXX is reporting XX/XX/XXXX - XXXX XXXX XXXX XXXX reported XX/XX/XXXX on my XXXX XXXX XXXX XXXX 

This account was closed by the original creditor : XXXX XXXX XXXX, on : XX/XX/XXXX. However, the collection agency in question has reported account status as : XXXX. 

During my research after my attempt to reach a member of this company to understand more about this unknown debt, my research lead me to find a law suit against this particular XXXX XXXX that warrant this complaint for their unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XX/XX/2019. signed rental aggrement.XXXX and XXXX to hold apartment the complex did not have unit ready and would not provide me certificate of occupancy prior to move in. This is against Florida law. I have contacted capital one for months, submitted all documents they requested numerous times. Capital one fails to re credit my XXXX and XXXX. I was told they would definitely assist me. my card account ends in XXXX. I have called repeatedly, emailed, uploaded, and mailed all requested documents. the cancellation letter, lease with back out clauses, Florida law. email from complex stating they would not provide certificate of occupancy. Capital One personal credit card has been a horror show.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Ad Astra Recovery Services Inc
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
AD ASTRA Recovery Services ( XXXX XXXX XXXX ) This was originally a letter reminder from XXXX XXXX for pmt due within 10 days of date on letter. Pmt was taken from checking account within 2 days causing many overdrafts. We went into XXXX XXXX, XXXX, Colorado and showed letter, explained problem, were told nothing could be done. We reversed pmt through our bank. Later we received collection letter from AD ASTRA demanding {$110.00}. We sent AD ASTRA in KS a debit card number with signature on pmt stub so the issue would be resolved. One month later, we received another collection letter and determined the debit card was not charged, so we obtained a bank money order and paid full balance of {$110.00} by XXXX XXXX  Money Order ; mailed to KS address, XX/XX/2019. We wanted to clear up this matter for good! We received 2 more demand letters XX/XX/2019. We attempted to resolve issue over the phone but AD ASTRA contact address and phone on correspondence lists Colorado office address ; that office now shows as closed on Internet search.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CITIBANK, N.A.
State: TX
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:
I would like assistance with disputing a charge on my account for {$14000.00}. It was paid to Citi Mastercard on XX/XX/18. In total they charged me {$14000.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.

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 2021-03-31
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in 2001 for {$58000.00}. As of this date I owe {$64000.00}. I have been paying on this mortgage for 20 years. In that time I have had a bankruptcy, and the loan has been with 3 different lenders. I would like my account audited. There is no way I should still owe as much as I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Netspend Corporation
State: ND
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:
I stayed at XXXX XXXX in XXXX and XXXX, ND at least 5 times between XX/XX/2020 and XX/XX/2020. They demand a {$25.00} hold on the account for accidentals, but they are using an algorithm to calculate random amounts at any denomination and holding periods for any duration of time without limit. The first was over {$450.00} and wasn't released for at least a month. The last was a {$25.00} posted charge when I was not present to give them my card after they listed an approx. {$82.00} hold instead of the {$25.00}, 5 days eariler. The bank refuses to allow any dispute process for abuse of pending transactions and demands that you can only dispute charges once they are posted. An authorized approx. {$120.00}, depending on how many times I stayed there, was held at approx. {$1000.00} over 3 months with no legal policy to request to dispute authorization to place permanent seizures of funds in accounts by merely listing them as pending and never either posting them or removing them. After the third incidental hold, {$25.00}, posted to my account totaling incidental fees of over {$130.00}, and I wasn't there to authorize any hold, I tried calling the bank for 4 hours after disputing transactions and they would not allow me access to the account stating that verifying my identity was not authorization to an account and I have to verify the status of transactions under dispute to access the account, every representative pretended to transfer me to another representative or supervisor, one person claimed to be a supervisor and transferred me into the call system instantly, and they refused to close the account because they won't answer the phone or stay on the line.

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