BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Fay Servicing, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, XXXX XXXX XXXX, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 Fay Servicing {$15000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 filed disputes with Bank of America and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying that the account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different high credit, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago

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 2019-09-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/19 my dad requested XXXX from his son in law via  Pay Pal. So his son in law sent it in a hurry and couldnt figure out how to send via family and friends so he just sent it as a transaction. My dad barely set up this account. This was the second transaction. It was set up so we could send him money. So Paypal flags his account for suspicious and possible hazardous transaction and sale and accuses him of having all kinds of transactions and activity. Now they wont allow him to remove the money or send it back. If he accepts it he has to give his social security and drivers license. Paypal isnt a bank. We simply were passing money from his son in laws account to my dad 's via paypal because they dont have the same banks. My dad sold nothing nor is he giving his social or DL # my dad is XXXX and for them to accuse him of such things is dangerous considering the penalties for them. Now they said since he wont comply he has to wait XXXX  days to get it and even then they will force him to get paypal cash which he doesn't want. He just wants to send the money back and close the account. He hasnt accepted the transfer its in Paypals hands still. They dont comprehend this wasnt a sale and my dad is XXXX i dont know if he has XXXX  days. Then they refused to work with me even after I told them I had XXXX and my XXXX couldnt XXXXXXXX I was willing to show documents and still they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Coinbase, 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:
My account was disabled/locked on Coinbase. 

I did a couple of transactions in the past and everything was fine. 

The problem I had today ( XXXX of XX/XX/XXXX) was the first time I was facing a account block. 

I bought approx 1.16 ETH ( round about 750 EUR ) After that the ETH was added to my Coinbase wallet. So far so good. 
After that I have tried to transfer my 1.16 ETH to my ETH wallet adress ( external Wallet ) and I did the withdrawl on Coinbase. 
After that I got an Email which says that the transfer is delayed and will take 72 hours. After that I have used the Coinbase option to accelarate the transfer by uploading my ID, Passport and a selfie of me. And thats what I did exactly. 
After that my account was disabled. 

No response from Coinbase at all. On the phone they told me that they dont know why my account was disabled ... But I got an case number -> # XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Comerica
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
OnXX/XX/XXXX{$150.00} was taken out of my account unauthorized. OnXX/XX/XXXX I called the customer care center of my bank to dispute the charge, on that date the dispute resolution department opened an investigation. On XX/XX/XXXX they issued me a provisional credit in the amount of {$150.00} pending the outcome of the investigation they told me the provisional credit may be reversed. On XX/XX/XXXX without any notice they reversed the provisional credit of {$150.00}, so on XX/XX/XXXX when my direct deposit came in and I checked my account that's when I noticed they had reversed the provisional credit of {$150.00}. So not knowing they were going to do that, much to my surprise I was less the {$150.00} from my SSI direct deposit. So I called them immediately to find out why. I was told they had that right, that at any time if they decided to reverse it they could. I asked why I wasn't notified and also why would they reverse it just 12 days before the investigation was through.They would not say why and when I asked to speak to a supervisor they hung up on me. Then onXX/XX/XXXX I received a letter from them stating that on XX/XX/XXXX the investigation had ended and they closed the case in my favor. Then it went onto say that the provisional credit they issued me on XX/XX/XXXX would remain as a permanent credit on my account. So on SaturdayXX/XX/XXXX I called them and explained all of this to them. I told them that they are saying the credit will remain permanent but they had already taken the credit out, therefore they needed to reverse it and put the funds back into my account. Well needless to say they put me on hold and never got back to me. So again today, XX/XX/XXXX I called them again and pretty much the same thing happened. When I asked to please talk to a supervisor who could help me and explain to me what is going on, because as they know I am XXXX and live on my social security checks so that {$150.00} that they took out on XX/XX/XXXX came out of my check on the XX/XX/XXXX and I needed to talk to someone to find out what was going on because I live payday to payday. Well once again she interrupted me and said hold on and I was disconnected. I called back and it took me 3 tries before I could talk to someone and they hung up on me also. 
So then I called consumer finance and the lady gave me the website to y'all and here I am. 
I do have both letters stating everything I have told you as well as bank statements showing where the money was taken out and then the credit issued and then where it was reversed as well. Along with phone call logs with the dates and times of each call. 
So please any help I can get would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-26
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX-received a call to pay remainder of debt by XXXX XXXX XXXX, I insisted the debt was paid in settlement on XX/XX/2017, which was ignored and alleged that a payment was not met. On XX/XX/XXXX-learned MCM failed to report accurate information to the credit bureau and to my account in an attempt to keep the debt open and active. Now, refuse to speak to me after I have obtain the validity of the settlement agreement MCM, XXXX XXXX made with Banks, XXXX and XXXX attorneys of XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony is charging incredible interest rates and late charges without a grace period. Late charges on a {$500.00} balance is {$39.00}, therefore it nearly equals my minimum payment due. This late fee is then added to the overall balance owned and interest is compounded daily. A few late payments within a 12 month period adds to the balance owned. My question is this. Why are they adding fees to the actual balance? This seems very unfair and it is designed for Synchrony to generate additional interest income and fees that I consider predatory and unfair lending practices.

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 2018-12-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a repossession on my credit from Toyota motor Corp that should not be there! The car was bought out of and I was told a repossession would not be on my credit the car has since been paid off and traded. I do not need this garbage on my credit!!! I will never return to Toyota or even speak highly of them after my experience and this experience if this does not come off my credit I will be reporting further to new stations and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had made my payments on time but yet I still get late fees to my account and there is this interest purchase charges on my account every month and I haven't made any purchases in the last 5-7 months. I sent numerous letter and no one has responded. I tried calling and they tell me that there is nothing they can do. They are ripping everyone off by doing this. Please resolve this!!! If no purchases are made in that month then they should not be charging any interest purchase charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I settled 5 accounts 2 XXXX 1 XXXX XXXX 1 XXXX XXXX 1 XXXX XXXX I continue to submit information to Experian online. Along with documents of settlements and payment being received on XX/XX/2019. The if information has not been removed from my credit report. 

Also. The XXXX XXXX Card Account belongs to XXXX. My initials are XXXX.. The has an account in which they sold to XXXX XXXX XXXX. They are saying {$4000.00} was written off & I still owe {$1800.00} the Amount owed continues to increase. I dont understand how this is possible. XXXX XXXX XXXX  can not be reached. XXXX removed the account but Experian is not attempting to investigate even though I provided 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 non-monetary relief
Consumer complaint received 2019-09-13
Company: WELLS FARGO & COMPANY
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: Personal information incorrect

Complaint:
I have provided the reports with all FTC violation on these accounts 4 months later they have done nothing to resolve the breach that XXXX has known and claimed that was their fault please correct my credit so I can go back to my daily life as a hard-working agent that is just providing food for my family

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 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX my checking account was cleaned out by someone posing as a bail bondsman. Capital One denied my claim, calling the charges ( all via ATM ) authorized. They werent. So now Im out {$3200.00} and said bank is either an accessory or an accomplice to a felony

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I made full payment of the balance of {$70.00} on XX/XX/XXXX of a bill that was due on XX/XX/XXXX. On XX/XX/XXXX I made a {$46.00} purchase in store and received a statement with a closing date of XX/XX/XXXX. It billed me the {$46.00} for my purchase as well as a {$2.00} fee, not interest, a fee ( unexplained ). Today, XX/XX/XXXX, I phoned Macy 's customer service and spoke with a representative, XXXX and then his supervisor, XXXX. I was first told the fee started from the date of purchase. Then, I was told it was because I made {$130.00} purchase in XX/XX/XXXX, and only paid {$50.00} on XX/XX/XXXX, XXXX I did receive a credit for {$21.00} from a return on some of that purchase leaving a balance of {$68.00} on my statement dated XX/XX/XXXX. I also received a {$2.00} interest charge bringing my balance due in XXXX to {$70.00} which I paid on XX/XX/XXXX. I was told the {$2.00} on my XX/XX/XXXX statement is due to the fact that I made only a partial payment in XXXX of XXXX. Keep in mind I was charged interest of {$2.00} on my XX/XX/XXXX statement and paid it in XXXX. I was given the obligatory " we will remove this charge this one time because you have only had your account with us for 10 months. '' I did not receive an explanation that made sense. I closed my account.

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 2020-04-30
Company: EQUIFAX, INC.
State: IN
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have in the past try to lower my monthly payment with Navient and have been denied. I am not able to afford my monthly house bills, groceries, daycare costs, vehicle payments due to my monthly private student loan payment and it has yet again gone up. I printed out my tax interest statement today and if I calculate my monthly payments times 12 and subtract what I have paid in interest, only {$1000.00} has gone towards my principle which means i'll never be able to pay this debt off. Unfortunately even though I have paid {$14000.00} towards interest alone last year that when I complete my taxes they cap it at {$2500.00} which does not help our family of XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filed disputes with XXXX XXXX XXXX  and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying that the account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different high credit, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago

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 2019-09-13
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Moss Law Firm, P.C.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I settled 5 accounts 2 XXXX 1 XXXX XXXX 1 XXXX XXXX 1 XXXX XXXX I continue to submit information to XXXX online. Along with documents of settlements and payment being received on XX/XX/2019. The if information has not been removed from my credit report. 

Also. The XXXX XXXX Card Account belongs to XXXX. My initials are XXXX.. The has an account in which they sold to Moss Law Firm. They are saying {$4000.00} was written off & I still owe {$1800.00} the Amount owed continues to increase. I dont understand how this is possible. Moss LAW firm can not be reached. XXXX removed the account but XXXX is not attempting to investigate even though I provided information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: PA
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 filed disputes with XXXX XXXX XXXX and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying that the account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different high credit, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago

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 2019-09-13
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/19. {$140.00} was taken from my account. When I contacted CashApp I was given a list of things to do, I complied. No one contacted me since and my $ has not been refunded. I believe CashApp screwed up. That transaction was simultaneous with CashApp refunding me for atm fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: UBS BANK USA
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
In XX/XX/XXXX, I established an account with UBS through an entity called XXXX  XXXX XXXX, with an approximate value of XXXX XXXX, and later added to that account an additional XXXX  XXXX approx, resulting in a total value of XXXX  XXXX deposited with XXXX XXXX of XXXX XXXX XXXX. In XX/XX/XXXX, I was fraudulently induced by XXXX XXXX to transfer this account to XXXX, where XXXX XXXX XXXX was then situated. I acceded to XXXX XXXX 's instructions to leave UBS because I received no alternative proposal from UBS to preserve and grow this account, and issued instructions to UBS to transfer the full amount in this portfolio to XXXX. However, UBS ignored these instructions ( for unknown reason ) and retained a portion of this money, exact amount unknown, in a retirement account XXXX XXXX XXXX. For several years, I received zero communications from UBS about this account, and was unaware of the fact that the money had not been transferred in accordance with XXXX XXXX 's instructions. I then started to receive monthly statements from UBS as to the value of the account, roughly {$6500.00}. I asked UBS to transfer this money to XXXX  XXXX XXXX, but they stated that this could not be done. Since that discussion, this account has remained at UBS, has been totally unmanaged, yet has been charged quarterly maintenance and annual account management fees. No one has managed this money despite these fees, and I now wish to get back from UBS the full amount of the value of the account from the date I requested transfer to XXXX, plus statutory interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
CapitalOne is blocking 3rd party apps from downloading data. This makes XXXX impossible to use as well as services like XXXX. I have a right to my data.

Company response to consumer: Closed with explanation