BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XX/XX/2019 I was notified by PayPal that my account was limited. I logged in and followed the necessary steps to remove restrictions, including explaining to PayPal that I provide multiple services ( XXXX XXXX and XXXX XXXX ) XX/XX/2019 after reviewing all information they made the decision to close my account and hold my funds for 180 days I then attempted to contact PayPal and still have not received a response. I found multiple complaints online from other users who have have been affected by their shady practices. I am also aware that they use these funds they hold to make profits by loaning out for interest on their behalf. I have multiple associates who in the past have not had their full amount returned to them that was withheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: JPMORGAN CHASE & CO.
State: CA
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:
I 've been having an ongoing dispute with a merchant who did not provide me a service and product that I purchased. I 've contacted them multiple times for over a month to get it resolved, but they did not help. 

I then contacted chase claims to try and get my money back through them. Yet after many days and long hours of providing information they asked for and providing all the proof they asked for, they denied the claims and are keeping the charges on my account. Therefore, I lost {$13000.00}. 

Chase 's reason is that it is a billing dispute that I need to handle with the merchant. Although repeatedly, I stated that I did not receive what I had paid for, so it is not a billing issue. 

I went through the reassertion process to get the claim reopened and provided everything they asked for. They said if I provided everything they asked for, it should be reopened. Yet, they came back with the same response, saying it 's a billing issue and can no longer be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I nevered set up this account. Not sure who setup the account in my name ; but I was no longer living at the address because I was going through a divorce and moved out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: WELLS FARGO & COMPANY
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 rewards from credit card

Complaint:
I applied for Wells Fargo active cash card with the promotion of cash back and 0 % APR for first XXXX  months. I have already fulfilled the conditions for cash back bonus but I haven't received my cash back bonus yet.

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 2021-02-18
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a predatory loan with Santander. I was informed in XX/XX/2020 that I am a part of the Santander settlement lawsuit. I was granted an extension due to the fact that my loan is a large payment with significant fees in XX/XX/2020 but the payments are scheduled to resume. 

I reached out to Santander in XX/XX/2020 because no one had notified me yet regarding the Santander lawsuit. I was told that it is " a process ''. I expressed my understanding and requested a permanent forbearance until I was notified of my portion of the settlement. I explained that I am struggling to live due to the pandemic and I am concerned that my file shows a significant violation of my rights. Until I know that I am not entitled to the title to the vehicle and loan forgiveness, I requested payments to cease. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Amsher Collection Services, Inc.
State: CA
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 account was opened fraudulently as a result of ID theft. Furthermore it was previously dismissed as fraud when XXXX XXXX attempted to illegally collect on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I transfer some balance to my credit card and even though I paid off the balance off, they kept charging me balance transfer fees. Besides this, I disputed some charges back in XX/XX/2019, they asked me for police reports and extra paperwork. Two months ago I contacted TD bank to inquire about the dispute, they asked me for some more paperwork, I called today t inquire again, they said my time to dispute these charges is over!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: EQUIFAX, 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:
Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX/XXXX XXXX store card closed a fraud account that was in my name. I still have them reporting on my credit report and still paid down the balance that I didnt use. They keep reporting derogatory remarks and statements on my credit report messing up my FICO Score. I have been through with them on this issue. I dont receive no bill or statements. XXXX/XXXX XXXX store card closed my account due to fraud. So why are they still reporting on my credit report? Why am i not getting a bill? Why am i not receiving any statements? I paid more than the remaining balance on a fraud account. Help me please!! I had to sign up so i can see the statements.

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 2021-02-18
Company: Better Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I chose better.com over my current lender for refinancing because I was sold this average closing in 20-30 days and me and my team will be with you throughout the whole process and of course they were able to beat closing cost by about {$650.00} dollars over my current lender. I started the process on XXXX. 
Anyways, fast forward 14 days on XXXX and things are starting go south little by little in these 14 days. They couldnt fathom that I work for a company whose headquarter is in another state. They didnt even bother to look at W2 submitted to see my home state ( where my property is ) taxes were taken. 
They also probably have some of the worst underwriting requirements that makes it impossible to acquire a loan for someone with excellent credit, 37 % LTV, excellent assets, and income requirement as their practice of evaluation is not fair to say the least. I almost lost my appraisal fees until I threatened them with CFPB complaint and thankfully, I was able to go back to my current lender but in 15 days, the interest rate now is now XXXX % higher. 
Oh, to top it off, I never even got a call/email back from the loan officer that sold me the bill of goods that they couldnt deliver. None of their employees I dealt with seem to care, they are just collecting paychecks. Avoid them at all cost if you want to actual close on a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, my grandmother and co-signer of my Navient loan passed away. Throughout the process of closing the estate, the lawyers we hired to complete the process never once mentioned or brought up the fact that, under the policies of Navient and the loan, they would call the loan in default and due in full. Sometime in XX/XX/XXXX, I received calls and letters from XXXX XXXX ( their deceased collection agency. ) During this time, which did n't make any sense, Navient finally contacted me, in which I was at work and unable to field the phone call. I, over the course of the next few weeks, attempted to contact the representative who was 'in charge ' of my account. On a number of occasions, I tried to just speak with anyone but no one could help, as I was told I had to speak with my 'case manager. ' Finally, after speaking with the 'manager ' of my case, she informed me that I had 3 choices. 1 ) Pay the account off in full. 2 ) Find another co-signer ( something I 'm not willing to do, considering this possible outcome. ) 3 ) Find another company to lend me the money to pay it off. In my opinion, this can perceived as 'predatory ' collection practices. I 'm a customer of Navients, whom pays their bill every month. Admittedly, I had some repayment options early on, but I 've corrected those issues and now how a steady flow of income and have made payments every month since XX/XX/XXXX, which they 're unwilling to consider. After pleading with Navient to release the loan to me, without a co-signer, I was unsuccessful. I 've been 'cornered ' into a lose-lose scenario, which to me, does n't have a benefit to Navient, other than collecting the full-balance ( losing all of the potential interest ) or forcing another co-signer, and me, in to this very precarious situation. In addition, their essentially holding my grandmothers estate ransom, until a resolution that best works for them has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get my mortgage company MR Cooper to pay my property taxes from my escrow account, the taxes are several months overdue. i have talked to them several times over a period of two months and they still have not paid the taxes. The amount due was XXXX and now due to interest and fees it is at XXXX due. I just received a letter from an attorney representing the appraisal district say they are going to sue me if the taxes are not paid. I have relayed this message and all the paper work they have asked for and it has not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Balance Transfer were sold to me as 0 % interest for 12 months. Bank of America did not honor this and started charging me interest at 19.99 % immediately. This is textbook " Bait and Switch '' which is illegal.

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 2021-02-14
Company: HYUNDAI CAPITAL AMERICA
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Paid XXXX XX/XX/2020 for XXXX. Paid XXXX XX/XX/2020. Paid XXXX XX/XX/2020. Regular payments are XXXX and now I'm behind XXXX. Kia mother finance won't take my calls. I have spoken with everyone and for several weeks. My payoff is XXXX, when it should be less than XXXX. My account was closed and I have statements to prove why. It does reflect all the payments I made and on time. Please help. Thanks.

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 2018-01-18
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
State: NY
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:
At the time of the identity XXXX gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope by submitting this report it would help put a stop to this issue from Ever occurring

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 2019-02-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/19 Equifax freeze management has been down for over 24 hours during business hours. I've called numerous times and the agents just say the system is updating. 
How can this company keep my personal and private data without my permission or control? They can't keep it secure and they seem to have an anemic IT department incapable of providing the security and availability to my sensitive data. They should lose their right to keep my data. They have no government oversight and no obligation to those whose data they store. Essentially, they answer to no one. 
If I were entrusted with keeping my clients data safe, I would be fired, based on their performance. What are you doing to fix this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXXnoticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.

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 2018-01-18
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I spoke with navient about fixing my loans so i can go back to school. The payment plan they suggested was outrageous and unsatisfactory to me i explained that at the moment i was unemployed also and to no avail they would not lower my rates so i can get out of deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Synovus Bank
State: CA
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 applied for a XXXX XXXX Platinum secured credit card issued by Synovus Bank and, upon approval, transferred {$1000.00} from my checking account. The credit card account was opened on XX/XX/XXXX but I did not receive my card until XX/XX/XXXX. During that period I called the card issuer 's customer service upwards of 20 times only to be told over and over that the card is in the mail. Once the card arrived and my first purchase attempt was declined, I contacted the issuer and was told by three different customer service representatives that I had to pay the {$49.00} annual fee before being able to use the card. Despite the fact that the issuer has been in possession of my money, interest free, for over two months and that, by their own admission, I had no possession of and therefore no ability to use the card during this period, my account was blocked citing past due payment. The manager whom I spoke to, XXXX XXXX XXXX, refused to give me any options other than closing my account and receiving a refund within 10 weeks (! ), and shortly thereafter hung up the phone. I find this to be a gross violation of good faith and fair dealing standards at best, and fraud and extortion at worst. I am turning to CFPB for protection of my rights as well as those of other consumers who fall prey to these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: NY
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 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had opened a Wells Fargo checking account with a promotion code for {$200.00} cash bonus once the 2 months of consecutive direct deposit conditions are met. I had got the direct deposits for 3 consecutive months. But till now Wells Fargo has no clarity whether I am getting the {$200.00} cash and if yes then when?

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 2018-01-18
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2017 I initiated a wire transfer from my bank account to my XXXX ( CoinBase ) account. The amount has yet to be credited to my XXXX account. I 've reached out to XXXX Customer Support, but they failed to update me on when I can expect my account to be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: BARCLAYS BANK DELAWARE
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:
Hello Consumer Protection Bureau, In XXXX of 2021 my credit card declined as I was using it because it supposedly hit the credit limit. However, I knew I had not hit the credit limit so i called the credit card company ( Barclays ). When I called they listed items on the account I had never purchased. We immediately logged those as fraudlent items to be investigated and then closed the account. However, Barclays issued another card ( not at my request and I did not know it ). That second card continued to have fraudlent charges hitting it but i did not know until I got another statement a month later. I called Barclays again and had them log those as fraud transactions and again close the account. This happened after trying to call the company several times and being put on hold each time for up to three hours each time. 

A month later i got another statement showing i was still outstanding on a balance on the second card ( the one I did not request and never had in my possession ). The total outstanding balanace was {$7000.00} which was connected to a fraudulent transaction ( a XXXX flight purchase under a different name - not me - so obviously fraud ). I called again and the company said they applied a credit to the wrong card and they then cleaned it up and supposedly everything was fine. That call happened on XXXX XXXX. However, I got another late statement and then tried to call again. At this point, no one can help me. When I talk to the Fraud department they say they've cleared all the Fraud, when i call customer service, they just refer me to Fraud. I have tried to get a manager but no one can help. 

I was a loyal customer at this company for 10 YEARS and ALWAYS paid on time. I never had a late payment for anything. This is the worst, worst customer service I have ever experienced and I would never recommend Barclay 's card to anyone. 

I am really hoping that sending this through the consumer protection group will help get attention to this issue. I don't know where else to turn. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation