BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-29
Company: Paypal Holdings, Inc
State: OH
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 had closed my account for no reason I just have gotten a the account with PayPal I have {$400.00} I want my account covid-19 and all the other stuff that is going on in the world I am broke I am not able to get to my money I need my money ASAP. If you guys could please help me out with PayPal and their problems that would greatly appreciate that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: EQUIFAX, INC.
State: MD
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Southwest Mediation Service
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
SouthWest Mediation services Called to me 3 times on XX/XX/XXXX. After the first phone call I thought it was fishy I terminated the call she called me back and said I have one more change before legal action proceeds as well as on the previous call they said their job was to get accounts paid before civil action takes place. She stated they aren't a debt collector though. She also said that she would send me Validation of Debt when I refused the rest and she said they do not provide it, then they said they do. They read me my personal information such as my social and DOB. Which is a GLB violation. They said I hadn't paid since XXXX and threatened civil action if I did not respond or pay it in a timely fashion. There are clear UDAAP FDCPA and GLB violations here in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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: Was not notified of investigation status or results

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

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 2020-07-29
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt popped up on my report in XXXX of XXXX, after I starting repairing my credit. I have no knowledge of this debt from XXXX. I requested documentation from NCA as well as XXXX XXXX, neither could provide any proof. Not even a old phone number that was used. I had no choice but to pay them due to them reporting monthly like it was agreed prior and I was neglecting it every month and it still shows that I missed payments for three months. I contacted them in may and payed the debt off after first contact. It was never agreed to prior. I only paid it because I had no choice. National Credit Adjust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX United States was the collection agency and XXXX was the original loan holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Put an order through coinbase. Coinbase put a 9 day hold on my transfer. I called them before transaction went through and they said I could not cancel. The digital asset in question has yet to be rendered to me and refused to cancel my order and said they would take the money out of my bank anyways. They said there was no way to cancel an order. They just take your money and give you the asset when it is worth far less.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2021-05-29
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
THERE ARE SEVERAL ACCTS ON MY CREDIT REPORT FROM 2017 THAT ARE IN LITIGATION AND STILL ON MY REPORT THAT IS FRAUD ANYTHING OPENED AND OR USED IN 2017 IS FRAUD I WAS IN THE XXXX IN 2017 XXXX  AND XXXX  WERE COMPROMISED IN 2017 AND MY INFORMATION WAS STOLEN I HAVE TICKETS AND COURT DTAES IN MY NAME ALSO BUT I WAS IN PRISON IN NEED OF ALL 2017 TRANSACTION UNDER MH NAME XXXX XXXX TO BE DELETED FROM MY ACCOUNT IMMEDIATELY I HAVE ALREADY HIRED A LAWYER AND WE ARE PERSUING LEGAL ACTION AS WE SPEAK ANYTHING IN 2017 FROM XXXX XXXX XXXX XXXX GA XXXX IS FRAUD using my name XXXX XXXX and my social to open up cards?!!

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 2020-07-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I use credit karma and also various credit card FICO score which shows that my score is XXXX I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX salary. 

When I went to get Auto loan at XXXX dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the XXXX XXXX that I took ). I believe XXXX intentionally showed me a lower score. There is no reason for my score to be less than XXXX. I checked all agencies, credit card FICO scores they are all above XXXX. 

I have a suspicion that the score is manipulated when I seek loan by XXXX financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I asked for the amount of time it would take my loan to be paid off making the minimum payments with no further advances. They have refused to tell me. They say, their system won't calculate it. It is a small loan of {$2000.00}. I pay {$540.00} per month. so it should be easy to calculate. I think this is unfair lending practice. 

They locate me by my telephone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2020-05-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, my Student Loan from XXXX XXXX was sold to Navient. I began making payments and inquired about a Public Loan Forgiveness program. Several times the Agent stated that after 1 year of paying with Navient, I could 'then ' apply to XXXX  XXXX and ask for a Public Loan Forgiveness . So, I paid with Navient for a full year. After a year, I called Navient amd askes if I can now transfer to XXXX  XXXX and it was like a totally different narrative. The Agent said I did NOT have to wait a year. I could have transferred to XXXX  XXXX at any time. He was sorry someone had given me bad information. I was sooo mad! I was mislead. I was given wrong info. that kept me paying Navient for a year when I could have been paying XXXX XXXX and having my payments qualify for the Public Service Forgiveness program ( 120 payments ).  I see that a lawsuit was won, and other people had been wrongfully mislead. As a 16 year XXXX XXXX XXXX, I feel I too should be acknowledged as a person who was a victim of Navient. Its fraud plain and Simple! I finally transferred my Navient account XX/XX/XXXX. I have the paperwork. My payments to Navient started over a year before, XXXX. Can your assist me in getting help for this experience? I await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: NY
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:
as notified before, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I made a purchase for a 'open box ' XXXX XXXX XXXX Watch for {$140.00} through XXXX. According the XXXX 's policy and description definitions an 'open box ' item is described as : " An item in excellent, new condition with no wear. The item may be missing the original packaging or protective wrapping, or may be in the original packaging but not sealed. The item includes original accessories. The item may be a factory second. See the seller 's listing for full details and description. '' However, when I received the watch, it was clearly used and covered in scratches all over the body, and did not even come with original accessories. I immediately requested a refund through XXXX, but accidentally closed the dispute. So I reached out to XXXX customer support and the seller. XXXX simply told me that because I had closed the return request there was nothing that they could do. The seller openly admitted that the product was not as described and mistakenly listed it as 'open box ' when it should have been listed as 'used ' and offered to fully refund me if I return the item. I asked for further instructions on how I would return the item, but the seller had stopped responding to my messages. Next, I contacted XXXX, but because of COVID-19 their offices were closed and could not escalate my issue and recommended that I dispute with my credit card. I then opened a dispute with Discover credit card and after 2 months they tell me that because the merchant is willing to accept a return they can not continue with a dispute and that the transaction is valid. I argue that I am willing to return, but the seller is not providing me with any means to return. I asked that the dispute be reopened, so that they can request proof from the seller if he has tried to initiate a return with me, but they refused. DiscoveXXXX is allowing scammers to prey on unsuspecting victims with falsely advertised products through their loose policies and loopholes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America close my account without advance notice. I attempted to make a payment on XX/XX/XXXX, and was informed by customer service that my account had been closed. I wrote a letter onXX/XX/XXXX to their company, asking them to please reopen my account. I have not received a response.

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 2021-05-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
To whom it may concern, consumer XXXX entered an agreement with Navy Federal. During the agreement and extension of credit by debtor Navy Federal that willfully and knowingly of The Truth In Lending act didn't specify my right to rescission. 15 U.S. Code 1611 - Criminal liability for willful and knowing violation. According to Congress, 15 usc 1635. I didn't receive any information nor contract so that is a violation of my consumer rights and a breach of the contract. Also Pursuant 15 usc 1605, here Congress states, ( a ) THIRD PARTY FEES.Section 106 ( a ) of the Truth in Lending Act ( 15 U.S.C. 1605 ( a ) ) is amended by adding after the 2d sentence the following new sentence : The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents XXXX including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : The information must be disclosed at the time of extending the open end credit plan. Therefore, you are in violation because you didn't disclose that information to me. 15 U.S. Code 1637a - Disclosure requirements for open end consumer credit plans secured by consumers principal dwelling. Remove from all credit bureaus permanently and immediately. This is an intent to sue if this isn't removed immediately. I am not specifying a date but in fact the account is in litigation at this point. If you are willing to compromise a deal to remove the item off of my credit report and provide an open end credit plan in a positive amount and remain in an open end credit plan please feel free me to contact me by mail with the offer. 
1. Navy Federal : {$4000.00} XX/XX/XXXX XXXX XXXX 2. Navy Federal : {$10000.00} XX/XX/XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have automatic with drawl from my business checking account every month for the mortgage payment in the amount of {$2900.00}. Each month I make a cash deposit so the payment will clear. My payment is due by the XXXX of every month.XX/XX/XXXX I deposited {$3000.00} cash. Webster Bank with drew the payment on XX/XX/XXXX and assessed my account a late payment fee in the amount of {$140.00}.  Webster Bank refuses to waive the late fee because they state my {$3000.00} cash deposit takes three days to clear. Webster Bank practiced the same solution for the XXXX payment as well. I feel Webster Bank is not practicing fair trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX or XX/XX/XXXX I call because I had a issues on my account. The lady fix the problem and then ask me did " I want to pay my bill over the phone '' and I said I will pay it online. so as soon as I got off the phone I went online to pay my credit card bill on bank of america site and it said I owe XXXX dollars so I paid XXXX dollars. My payment was submitted and was approved by the bank. Next thing I know I tried to use the card and I was not able to use it. I called bank of america and ever person of ( BOA ) give me different answers. One said They owe you XXXX dollars I said why can't use my card? Then somebody said you owe them XXXX dollars. I said the system told me XXXX dollars but I paid XXXX. Another time I was not able to pay my bill online because they block me from paying it and I could not pay it over the phone so I had to do a XXXX   report just to get them to fix the problem. Another problem I had with was their online payment site is wrong from time to time. THE SITE said I needed to paid a late in XX/XX/XXXX or XX/XX/XXXX. They told me '' I can't see what you are talk about because we don't have the same system but on my system it showing you don't have a late fee. '' Well my system is showing a late fee. Can you have someone call me from the technical department '' I will ''. No one called me back.

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 2020-07-29
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020, I received a letter from CCCH stating that due to financial hardship, they are willing to let me settle my account for {$1900.00}, which will satisfy the debt in full. On XX/XX/2020, I made my last payment which fulfills my end of the agreement. On XX/XX/2020, I have received and email containing a receipt that states my account has been fully settled. To this day, my account is still being reported as delinquent despite all of the on-time payments that I have made based on the agreement. I see this reporting as fraudulent. Can you please look into this? I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
for chcecking account ends in XXXX found out they report me to XX/XX/XXXX say i owe money and they wont remove they close my account 2 years ago and held my money and send me money after closure how they say now i owe them money these are lies there are comminiting fruad and slander need help now please investagete bank they do like wells scandal they need to be under supervision

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I sent a dispute letter regarding on those inaccurate and unknown accounts. But today its Over 30 Days and I haven't receive any response. I was a victim of XXXX  Data breach. I demand to remove Asap those Accounts or I will file a litigation.

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 2023-04-14
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: Account information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation