BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested a refinance of my loan ( XXXX ) with The Money Source XXXX XXXX XXXX in XXXX of XXXX. I was informed that the loan would be processed in a timely manner and to provide the necessary information. I completed the information as requested and waited approximately 2 months for a response. Late XX/XX/XXXX i received a loan offer which I was then instructed to have notarized and returned within 2 weeks. i provided the notarized documents in 5 days. I was informed 2-3 weeks later that there was an issue with the paperwork. The start of the new loan was to begin on XX/XX/XXXX. I asked if there was any notable change to the new document to the monthly amount or the rate and was told that there was no change. I was informed that the issue was caused by the Money Source, XXXX XXXX XXXX. I was told that another document was coming. I have not received any new documentation. I was then told to make an additional request for refinancing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Genesis FS Card Services, Inc.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD XXXX breach I notice accounts being open in my name without my permission. the following accounts are not mine FEB/GFSCS-RETAIL XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I spoke with my then personal banker again ( XXXX XXXX ) in regards to deposits & excessive fees to my checking account, and the last time we spoke in regards to my account, she agreed that my account had been compromised and the correct deposit for reimbursement was never added to my account. Instead she was promoted and my account was closed by Prosperity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-16
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
After a successful purchase from the buyer who bought my phone, paypal held my funds for three anxious days after that it said I could transfer my funds but as soon as I try to do it they limit my account and said they needed more information after providing the correct information .PayPal just decides to ban my account for no particular reason now I can't get my funds and they leave me here confused and a bit worried. Do your best you can to help. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: Leap Credit, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was the victim of identity theft inXX/XX/XXXX. I've had my credit reports frozen and have fraud alerts on my report since that time. 

InXX/XX/XXXX I became aware of another stolen loan through Leap Credit. This is a {$900.00} loan the was completed via an online application. I spoke with an XXXX on XX/XX/XXXX who took the dispute information. I was instructed to send an email to XXXX to indicate identity theft. I didn't hear anything further and was assured it was going to be resolved. 

I received a collection notice from Leap Credit on XX/XX/XXXX. I immediately called and spoke with XXXX at XXXX. He noted that the ID theft complaint was noted in the account, but that the account was still active and I now needed to file a complaint. This time I was sent 2 emails from Leap Credit. The first was to review the loan agreement and confirm that the routing number and checking account information that the funds from this loan were deposited to didn't belong to me. I reviewed that information and confirmed via a response to the email at XXXX that the routing and checking account number were not mine. The second email was how to contact the credit bureaus and file a complaint and that leap credit would need the case number. 

I placed another fraud alert on my credit report and also filed and ID theft complaint. I was given case # XXXX XXXX XXXX from XXXX, a fraud specialist with XXXX  on XX/XX/XXXX at XXXX. 

I called Leap Credit back at XXXX on XX/XX/XXXX and spoke with XXXX . I provided the case number from XXXX. XXXX stated that they needed a document from XXXX, but I explained that the complaint and case number was done verbally over the phone. XXXX stated she would escalate my complaint to management and would call or email back to confirm that management would be working to resolve this as they are now stating that if payments are not made by XX/XX/XXXX they will report to the credit bureaus. I have had zero response from Leap Credit. 

I received one more notice on XX/XX/XXXX again stating that late fees will increase and reporting to the credit bureaus will occur if payment isn't made. 

I was able succesully close and dispute 3 other fraudulent loans, all through payday lenders as a result of my identity theft. I can't understand why Leap Credit is being so difficult and uncooperative and unresponsive when I have provided all of the information they have requested in trying to inform them that this loan is not mine, nor did I ever take this loan out. 

Please help me in getting Leap Credit to resolve this matter. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans should be marked as paid in full or paid as agreed. They are not. This is very frustrating because when they close my loans, they were supposed to have the correct remarks on the account and it incorrectly affected my credit because although the loans were on the account, the loans were not supposed to be in a negative state as they never were and they were always paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Disputed several items on report, inquiries & paid some balances down but XXXX, XXXX  & Transunion didnt update or investigate my disputes from last month. I asked for each agency to provide proof of their findings & all 3 failed to do so. It almost seems as if Im being kept on a bad credit treadmill by this company. I want my entire report investigated by a live agent instead of a computer or I will be forced to take legal action

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 2021-07-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home back in XXXX and was in paying the person I bought my home from and in XXXX took a mortgage out with XXXX XXXX and then I took out a second for my kids college and to redo my kitchen, when they went under this other Company called SPS select portfolio servicing took over they told me to pay them and I was until the pandemic hit and they called and told to not worry about paying each month on time and had me on a forbearance. I was still able to pay my secondary payment and then my first mortgage payments went up from {$1200.00} to XXXX then XXXX then XXXX they have my payments up and down and now since about 8 months now are not accepting my first mortgage payments but only my second. I received a letter from and their attorneys that they want to foreclose on my house. I am in the works with XXXX XXXX XXXX out of California to help me with this deception of SPS. SPS will not work with me in reducing my rate from XXXX to the rate that is out there right now. They would rather foreclose and get the high value that my house has earned now. I need help to save my home which i have little grandchildren living with me and the work I have put into this home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 contacted my bank over 3 times about this amount, the first two times I spoke to gentleman that agreed with me that I didnt get back a certain amount of dollars back, I did the math and they refuse to see that I do not owe this amount because I never had it in the first place. I wrote out all my charges and connected it to the charges made back from the consumer and I was missing XXXX, I called XXXX they said they gave it all back which is not their fault because they showed me proof. Along the lines Capital One does not want to take responsibility for the missing money. I have wrote everything out and then its not adding up, they keep saying that they did a charge back twice which is incorrect. My balance was at XXXX before I made this purchase and it shouldve been returned back to XXXX because I return all the items and nothing is in my possession. I have proof that I returned everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded my XXXX XXXX XXXX financed with Exeter in on approximately XX/XX/XXXX. My account was still open and active on XX/XX/XXXX so I gave them a call to ask why. They said they hadnt received my payoff. I called the dealership who said they sent the total amount of $ XXXX and some change via ACH on XX/XX/XXXX and they provided me with the lien release dated XXXX and a copy of the title as well as the proof of the ACH transfer. I spoke to no less than 5 people at Exeter that day who couldnt find this money and no one could believe the documents that I provided over and over. Finally on XXXX they applied my ACH payment and never explained where the money was lost. However, I had cancelled my extended warranty and gap insurance so the total payoff amount had reduced to XXXX when the credit was refunded to my account even though the dealer had sent over $ XXXX. The credit had been applied on XXXX, and the payoff had been sent on XX/XX/XXXX. My account statement showed the ACH transaction only paid off the $ XXXX to give a XXXX balance even though I was given the ACH receipt from the dealership showing a different amount. I inquired about that overage and asked why my account reflected an inaccurate ACH payoff amount of only the $ XXXX instead of the $ XXXX that was actually paid, but no one could explain it. I asked if i could get something in writing saying the overage would be paid to me and I was denied. I was assured I would have the overage check soon because it was an ACH transaction which clears immediately and I was told XXXX business days from the XX/XX/XXXX date is when I would receive my check, but that my account should reflect the overage by XXXX. On XXXX I still hadnt seen anything regarding the overage reflect on my still open account so I called again. I was again denied anything in writing regarding the overage and was told the check had been mailed on XXXX. Today, XX/XX/XXXX I called to follow up, and was told that the check has not been issued or mailed, that I have to wait 30 days from XXXX when they applied the ACH transaction for the check to even be issued and there was no way to expedite this. I need answers and an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charged a {$10.00} service fee that was supposed to be waived if the checking account balance was > {$500.00} which it was ( {$500.00} ) on the date that this service fee was taken. This was fraudulent behavior that they blamed on their " system. '' They have promised to reimburse but given the history of this company 's shady practices towards consumers I wanted to submit a complaint

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 2022-12-27
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Money was stolen off of my cash app account. I tried to request the money back, the sender cancelled my request. I disputed the transactions to cash app and they said sorry theres nothing they can do. 

Date XX/XX/2022 {$45.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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: Information belongs to someone else

Complaint:
This is an admission of documentation for the following complaints : ID FOR COMPLAINT SENT TO XXXX  XXXX ID FOR COMPLAINT SENT TO EQUIFAX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I forgot to attach with the original complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has been hit with a security breach in XXXX that was reported in XXXX. I placed a security freeze from their website https : //my.equifax.com/membercenter/ # /login around XX/XX/XXXX. The security freeze has been active since. Recently, I've tried to remove the security freeze by login to the website with my credentials. 

I've been unable to login to Equifax to remove the security freeze at least since XX/XX/XXXX. I've tried resetting the password but it does not work. I called customer support on XX/XX/XXXX to give me access to my account but they were unable to reset my credentials. They escalated my issue with number XXXX but they did not fix the issues within 7 to 10 business days. 

I've called twice ( XX/XX/XXXX and XX/XX/XXXX ) and both times the customer support was not able to reset my password nor give me link to reset my password on my own. They did offer me help to unfreeze the credit report by calling them. However, I would like to freeze/unfreeze on my own without requiring to call customer service every time. 

I'm asking Equifax to give me online access to my account and let me decide when I would like to freeze or unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
After reviewing my credit report I have noticed some unauthorized inquiries that have been placed on my file. I communicated the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions identity Theft Affidavit. I am looking to get an home for my son and I. Im not sure who would use my identity to try to open accounts I would appreciate you guys so much with the help of removing these unauthorized inquiries off my credit report. I am excited for the milestone and I would love to be settled within the upcoming months in my new home.

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 2021-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As a first time homebuyer, I am frustrated with my experience applying for a mortgage through Citizens Bank. From the date I placed an offer on a townhome I had one month until closing on XX/XX/XXXX. I was informed by the loan officer, XXXX XXXX that I did not require a home appraisal. At no point was I informed that the appraisal waiver could later be denied, for reasons outside of my control. Due to the lender not having a documented unit # associated with the address until it was submitted to underwriting, I was informed I no longer qualified for an appraisal waiver, 11 days before closing. Had I been informed that this could happen, even if it was not expected, I would have asked for an appraisal from the very start knowing that it takes weeks to be completed, and there was no room for delay in order to close on XX/XX/XXXX. The majority of communication with my loan officer after that shifted to texting. I felt that direct verbal communication was being avoided, despite it being my right to ask questions especially as a first time borrower and buyer. Days went by where I did not receive any phone calls and I had to request to be contacted for updates. I reached out to upper management because I did not feel I was being supported. When I finally received a call the evening of XX/XX/XXXX, I asked multiple times why there wasnt an option to have requested an appraisal from the very start to avoid having to request a rush appraisal suddenly, but never got a direct answer. I felt there were unprofessional statements made, Im not laughing at you ... this is a nervous laugh and You can call whoever you want, it wont make a difference. This would make anyone feel insecure who is supposed to entrust a lender with a major financial investment, and only bolstered my decision to withdraw my mortgage application. I would feel differently if they communicated regularly as promised and were more supportive overall. I also didn't feel I should have been expected to cover the cost of a rush appraisal when I was not at fault. I initially wrote this complaint when I was not refunded the initial appraisal fee of {$580.00} ( the appraisal never got scheduled ). However I have at least now been credited that amount. I had to close without a mortgage, but nonetheless I still feel as a customer banking with them for about 8 years, my needs were disregarded and hope other first time home buyers are treated better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened in my name approximately XX/XX/2018 through PayPal lnc. utilizing my name, social security number, birth date and my home address and was immediately charged up to $ XXXX was not aware until I received a a collection notice from XXXX in XX/XX/2018 demanding a settlement.I called PayPal lnc . to question the account and reported a case of stolen identity. They provided me a case # and suggested I contact the credit bureaus to establish report of Identity Theft. I have done so. I also sent a dispute letter to PayPal on XXXX XXXX requesting that they provide me the details of their findings and confirmation that I have been relieved of this debt. To date I have received a call from the debt collector they have hired approximately 30 days after I had sent this request and have not received any confirmation of the above.

Company response to consumer: Closed with non-monetary relief