BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
American Express closed my credit card. 
I, XXXX XXXX, am the consumer original creditor, natural person pursuant 15 USC 1692 a ( 3 ). I extended my social security credit card to open up this credit card account which authorizes me as the original creditor. Closing this account without written instruction of the consumer, myself, is a violation of 15 USC 1681b ( a ) ( 2 ). This is also a breach of my privacy and is discrimination! Due to financial hardships which i conveyed to XXXX American Express. I was unable to fulfill my alleged obligation / debt. Pursuant to FCA - Financial hardship is not grounds to close a persons checking account without the consumers written permission. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) i am invoking specified remedy as a consumer. I demand my account be reopened with a XXXX balance. I am willing to settle outside of court but if my demands are not honored and fulfilled. I will be invoking specified remedy as a consumer demanding monetary relief of {$50000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit. PURSUANT to 15 USC 1681 ( 2 ) ( b ) 'any authorization approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded for a consumer report. The definition of credit card under 15 USC 1681 is the same as it is under 15 1602 ( 1 ) which is '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. In this occurrence, the CONSUMER, myself, and ORIGINAL CREDIT refers to Social Security Card aka Credit Card. CONGRESS stating 'ANY CARD '. In this case i used my credit card to originate the Consumer credit transaction with my American Express Credit Card. I am demanding my credit card be reopened with a {$6000.00} credit limit and a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to submit a one-time payment on the servicer website. there website seems to be having issues for the last two days and the problem still has not been resolved. I called to get this resolved and the customer service rep is not acknowledging that there is an issue. My payment was due on the XX/XX/XXXX even though I tried to submit online payment on XX/XX/XXXX and XX/XX/XXXX before payment due but the website still is not working. The customer service rep said they will submit an inquiry which customer service rep says can take up to 10 business days to be looked into. By this time, my mortgage will be past due and start collecting late fees/penalties and possibly default etc. I am filing a complaint because I do not believe they will resolve this issue in a timely manner and by the time it gets resolved i could be incurring late fees all because of the mortgage loan servicer website is not working properly and I want to have it on the record that I tried to get this resolved with the loan servicer before it came to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX refuse to remove negative information about credit card. XX/XX/XXXX called to settle account rep said nothing owed account is closed with XXXX balance. Months later received updated credit report account reported delinquent with incorrect balance {$2000.00} instead of {$1300.00} ( which I was told was a {$0.00} balance ). Disputed the information denied claim information remains. XX/XX/XXXX tried again disputing information denied. XX/XX/XXXX spoke to credit bureau advised to dispute with XXXX so I did and got absolutely no where. The lady involved from synchrony told XXXX that they will not update my information told me my account was sold to a third party. If I had a problem with the amount in question I had to contact the company it was sold to. I proceeded to ask how will that help with my complaint if my issue is with your reporting not the third party it was sold to. No answer. 
Credit agency tried again reporting as to old remove from file and denied and synchrony updated the file that account information was updated in XX/XX/XXXX and last payment was received in XX/XX/XXXX and I havent done anything with this account. Im so sick of this account its been nothing but problems and everyone pointing the fingers and passing the buck. And in the end Im getting hurt.

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 2018-03-28
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XX/XX/XXXX with a XXXX XXXX. The mortgage was subsequently sold to US Bank. I never missed a payment ; I was never late. My husband died in XX/XX/XXXX. US Bank foreclosed the home in XX/XX/XXXX. US Bank claims there's a 'second mortgage ' on my foreclosed home that was sold with a clear title in XX/XX/XXXX. No one attempted to collect this 'second mortgage ' until after the XXXX for the first mortgage was satisfied in XXXX. US Bank is holding the POB as hostage with a claim to an insurance policy ( held under escrow for {$130000.00} ) to ensure the 'second mortgage ' gets paid. I held an insurance policy on the dwelling until XX/XX/XXXX - US Bank never needs to purchase another policy nor bill me for the policy that was never requested or necessary. I have attempted many times to settle this matter by myself with this financial institution but I have been unsuccessful. I have emailed, mailed, faxed, etc., all my documents ; made numerous phone calls, some that I was disconnected but most had significant wait times and the person on the other end of the phone is always confused about my mortgage. I have wanted to pay this off, clear my name, clear off derogatory remarks from all three credit bureaus and move on with my life. If I pay what they are asking, I will pay XXXX getting a refund. Please help!

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 2021-02-03
Company: EQUIFAX, INC.
State: GA
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:
EQUIFAX REFUSE TO INVESTIGATE MY DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Paypal Holdings, Inc
State: IN
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Santander Consumer USA Holdings 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: Their investigation did not fix an error on your report

Complaint:
Hi - I hope all is well. I am being harassed by Santander bank. Santander decided to intentionally remove my payment history after my class action settlement offer. This dropped my score 30 points. This is not the first time that they have altered my charge off trade line to drop my points out of nowhere. I have contacted them to correct this and they claim there is nothing they can do. 

Santander is in the midst of a lawsuit for their illegal business practices and intentionally reporting wrong info to CRAs yet they are still trying this with me. Please remove this account to remove the harassment from my life. 

Santander is also reporting the account differently to each CRA. Below are the dates the account is being reported to each CRA. 

XXXX : XX/XX/2017 XXXX : XX/XX/2017 XXXX  : XX/XX/2017 I have a postcard from my class action settlement which they have yet to settle and supporting paperwork for everything mentioned above. Thanks in advance and I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Experian Information Solutions Inc.
State: MI
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:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

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 2018-10-05
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
About a month and a half ago ( so on XX/XX/XXXX ) I had called Naviet because has two issues. One needed to get my payments lowered ( which are at XXXX a month ) and also to get my co-signer off the loan. As Im telling him I am struggling and can not make the payment but will be able to make a lower payment. He ( I can not remember his name ) said that there werent any other options for me at this time and there is no way to get the co-signer off. He said the only way is to payback the full amount and get it through the bank. Im a XXXX XXXX XXXX with no collateral, so that is out of the picture. After telling the young man my struggle and troubles Ive had with keeping up with this payment, that Im not able to even get grocerys or little household items ( for I was trying to live on my own ). I was crying on the phone and again telling him I just cant make the payment, he says at the end Im really sorry to hear that XXXX but there really isnt anything we can do at this moment, but I do see that you have a bill coming up this month how would you like to take care of that today! So not only did he not really listen to what I had to say, he Had the audacity to ask me to make a payment. 

Now I live back at my parents working two jobs and still can barley save enough money to get a place. I really dont want to live back at my parents for ever but will this payment of XXXX I cant have any other payments unless I work to death. All I ask is that I can get help with my payments or my interest on my loans to go down for I have 5 loans each at XXXX %. They also said that I couldnt get help with lowering my interest either. I know there is a way to get my co-signer off because they go off how much he makes not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Square Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a Cash App debit card ( which is a logo trademark of Square Inc. ) which I did not sign up for. I received it in the mail on XX/XX/2020. I do not want this account and I want it shut down. I did not authorize an account to be open. I tried to call the company and they have no telephone support and the message says I need to go online. How can I go online if I have no account set up!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Dovenmuehle Mortgage, Inc.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification ( XX/XX/XXXX XXXX, when I got the option back it was {$60.00} more than I was already trying to pay and more than I could afford, as my husband had become unemployed. I tried to contact them ( XX/XX/XXXX ) to let them know our situation changed and that I needed to reapply. But I could not get thru I had to leave a detailed message. I never did get a reply back. I continued to try and pay as much as I could. I called again ( XX/XX/XXXX ), to ask about doing another loan modification after my husband got a job. Then they denied a loan modification ( XX/XX/XXXX ) as I rejected the previous one. I also got my statement and noticed a few of my payments were either applied a month after received ( received XX/XX/XXXX applied XX/XX/XXXX ) or not at all ( XX/XX/XXXX ). So I saw I am 5 months behind, when I am only 3 ( a payment XX/XX/XXXX probably received after notice sent ). I tried to call again, to get that fixed and to question about the denied modification, and After being on hold for 10 minutes I had to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions 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 recently notified Experian that I am a victim of identity theft and there are fraudulent accounts reporting on my credit 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 2020-10-20
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PayPal had sent a debt to a collections agency regarding a disputed XXXX  transaction. 
In XX/XX/2020 I sold an item on XXXX, the buyer attempted to return it, the return was denied, they then opened a claim through PayPal. There was an ensuing case within PayPal 's dispute system, which was then closed in my favor in XX/XX/2020, rendering me not responsible for owing any money. I have received no further communications from PayPal on the matter, at which I had closed my account with PayPal as I was no longer using it. In XX/XX/2020 I had received notice that PayPal is attempting to collect a debt based on the case that was closed in my favor, which is directly at odds with the resolution PayPal had provided to me in XX/XX/2020. 
I have attempted to contact PayPal on the matter, but am unable to contact them without being an account holder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-02
Company: Kross, Lieberman & Stone, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Medical bill for injury. Two dates- XX/XX/XXXX and follow up XX/XX/XXXX. Insurance company paid which left a co-insurance payment of XXXX. Did not receive bill until XX/XX/XXXX. Promptly paid by check on XX/XX/XXXX. Check cashed by XXXX ( urgent medcal ) XXXX transferred the debt to a collection agency Kross, Liberman & Stone on XX/XX/XXXX who has been calling non-stop threatening to ruin credit, future job employment and court action. Collection agency is asking for {$150.00}. XXXX confirmed on XX/XX/XXXX that check was cashed to their XXXX XXXX account on XX/XX/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 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 disputed a bankruptcy on my credit report online with TransunionXX/XX/XXXX21. After completing the dispute, I received an email saying that the dispute was received and the investigation is in progress. The next day I noticed an email that says that the dispute was complete and the results are available. However, when I logged into my Transunion account I could no longer see the dispute from the previous night. I can only see the disputes from the previous month regarding some student loan accounts. Also, to my surprise the bankruptcy account has new information added to it. But, the purpose of the dispute was how it was validated and with whom not the contents of it. 

I think that Transunion removed my dispute and attempted to reconcile the information provided to avoid having to remove the account because they couldnt prove that the account was validated and by the court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The information on my report is inaccurate and needs to be removed immediately. If validation can not be provided by the court with whom is the original party, it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis is reporting to the 3 credit bureaus that I have a public record. I have no knowledge of this public record. I have disputed this debt with LexisNexis and the 3 credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting this account accurately. What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify it? Please provide me with the name of that individual, their company title, and the telephone number as well as copies of the documents that they used to verify that this disputed item is being reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called Medical Systems to validate the dates and amounts owed on several bills owed. Also violated the FDCPA without advising me it was an attempt to collect a debt. 

I sent them a validation request, they responded by sending me my personal information about each visit, This is a third party with access to my personal information without my consent

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 2018-03-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Previous complaint closed without resolution. Initially I filed a complaint against California Check Cashing Stores of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for fraudulently filing my XX/XX/2017 income tax return. These returns were filed without a CA check cashing employee asking for or requesting consumer deductions, without disclosures of fee ( s ) and without a signed authorization. I am still unsure if the funds have been processed and received.

Upon company 's response ( blatantly telling lies about consumer signing consent ) CFBP closed the case. I have completed feedback that there is NO resolution for this closed case file. It appears to me that it is simple to address this issue for me. I did not authorize verbally or with a signature for this company to file my income taxes. They state that I signed authorization. To see the truth, the company simply need to supply that signature, which I know that they don't have. 

This is not about customer service, this is about a consumer being robbed of her hard earned money. This complaint is being filed because California Check Cashing Stores knowingly gave false information to the CFPB regarding complaint filed. Someone should and need to be held accountable so that other unknowing customers are not duked into services by California Check Cashers. Plus, I want my money, can you at least assist with that. Should CA check cashers pay for fees associated with unlawfully filing of income tax return? Should CA check cashers have the authority to use unauthorized accounts? Are they not held responsible for the actions of its employees? Please assist with the next step of this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is a company which I was reported to the Bureau two months ago and once again who uses all the power to mess up my personal record. on XX/XX/XXXX this year I filed a complaint against Discover credit card and Discover company did not respond to my complaint and discover credit card ignores me, Discover file another wrong report to the credit bureau because of all these I believe for the last two years I have cheated by discover credit card and probably the purchase and the billing were wrong so therefore, I ' m asking for the bureau to have a broad investigation to Discover credit card for abuse of trust. One more time if any of the info was wrong I would like to ask the bureau to step in and solve this issue. I think Discover credit card abuses the power and consequently discover board destroyed my character and put me into a situation where I can even get a job.

Company response to consumer: Closed with explanation