BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello - This is a rejoinder to the earlier case that had been filed with CFPB regarding my ACH transaction limitation via Paypal withdrawing funds from XXXX  XXXX Account. The details of the earlier case filed with CFPB under the reference number XXXX There were two entities involved in the Transaction. One being XXXX XXXX XXXX XXXX and the other being Paypal. 

This is a transaction involving my XXXX XXXX XXXX XXXX and Paypal. I had registered on Paypal my XXXX XXXX Checking account. On XX/XX/XXXX a suspicious transaction of {$530.00} was noticed on my Bank account. This amount was withdrawn by Paypal from my XXXX XXXX XXXX account. Subsequently i logged a incident with XXXX XXXX and Paypal on the same day. Later on XX/XX/XXXX XXXX XXXX XXXX credited this amount back into my bank account, so did Paypal on XX/XX/2020. So i received a double credit from both the financial institution. I had to refund the amount back to paypal Instead of enabling the process the ACH freeze had been put on my account. 

Had logged a ticket with CFPB to which XXXX XXXX responded stating that they had not imposed any ACH restriction on my account. I had to do my own research by calling XXXX XXXX XXXX post XX/XX/2020. XXXX which, i learnt that it was Paypal which had imposed this ACH restriction on my account. On XX/XX/XXXX I called up Paypal was able to refund the excess amount of USD XXXX via my DEBIT as Paypal had not enabled my Banking channel for the excess balance lying in my account. 

XXXX companies do not have the same set of rules that are being imposed on the banks. The fundamental question is on how did Paypal as a payment service provider allow a third party to withdraw funds without any adequate checks and balance. There is no two factor authentication mechanism in place to avoid such a fraudulent or unknown charge at Paypal 's end. 

Regulator 's need to take time out and protect ordinary Americans from such financial frauds from taking place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: DISCOVER BANK
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: Problem with balance transfer

Complaint:
I was offerred a balance 0 % balance transfer and transferred {$6000.00} on XX/XX/XXXX. Terms and conditions offer 5-7 business days. When it had not posted on after the XX/XX/XXXX, I called to ask that the request be voided and was told that the funds would post the following day XX/XX/XXXX. A week later it still had not posted and Discover admitted this had 'been mishandled at every step. ' The {$6000.00} had already been debited from our account so it could not be reprocessed until they 'found the original {$6000.00}. ' The process required a total of 35 calls, most with the executive office who left me 2-5 voicemails a day requiring me to call back. Throughout, my bank, XXXX offered to speak with Discover to get the funds transferred electronically and immediately and even offered to cover expedited shipping of a paper check as our account was now overdrawn but Discover refused all of XXXX 's efforts to resolve quickly and the process took an additional several weeks. 

For the first time in our lives, we bounced a rent check, a health insurance payment, and even a check to one of my employees with substantial fees for each. Worst of all, our bank is now holding all deposits for 7 days because of the overdrawing that occurred and will continue this policy for 6 months or until we have no further bounced checks. 

In short, we planned to have the {$6000.00} in our account after Discover provided the date that the funds would be available and when the funds became 'lost, ' we assumed Discover would be reimbursing those fees if not for the 7 hours of time on the phone this has now cost us. Their refusal to work with XXXX to resolve quickly was unconscionable as well. 

It was only today that the executive office notified us that they believe this is an acceptable customer service experience and will not be providing us with even a courtesy credit for our time nor will they cover the fees incurred because of the blatant misinformation provided by their reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan was transferred to XXXX XXXX by my college. XXXX then became XXXX, and since then I am unable to access any account information. Their website has stated that the login function is " temporarily unavailable '' for over 4 months. I can log in by using the " change password '' function, only to have no accounts displayed. Calling in also results in being told there are no accounts under my social security number. 

I am thus unable to view my current balance, method of payment, or any account information at all. Research shows that it is a common problem. I should not be completely prevented from obtaining information related to my loans if XXXX wishes to be the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: American Credit Acceptance, LLC
State: MO
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:
IMy car a XXXX XXXX XXXX was financed for {$7000.00} by American Credit Acceptance. On XX/XX/XXXX, I give the car back by voluntary surrender. As of today XX/XX/XXXX they are reporting to Credit bureaus that I owe them {$6700.00} I owe American Credit Acceptance nothing because they have the car and sold it at a private aution. I want them to report to all credit agencies that I owe them nothing. I feel American Credit Acceptance is committing Fraud and trying to get double what the car was woth. I want a full investigation and will be waitng for your respnse. 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 2022-03-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid down my mortgage to {$0.00} before XX/XX/XXXX. 
Citizens confirmed by email that they would still use the autopay ( that has worked for the last years without issues ) to pay escrow/interest etc. 
Their Autopay function did not work, no money was taken out of my account. 
I sent checks, paid of the remaining balance, and what I was due ( " total due '' ). 
They keep sending me letters saying I owe them more money ( and other letters that I paid off my loan ). Their phone system does not work ( no representative ), I went to their branch, but mortgages are not serviced there, I wrote emails and letters. 

It really seems they do this on purpose when you pay off your loan, they try to trick you into not being able to end the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX sent Capital One Bank a cease and desist/debt validation notice on XX/XX/2021 regarding a debt they are reporting to the credit bureau attached to my file. 
Capital One Bank did not respond pursuant to 15 usc 1692 ( G ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CD matured XX/XX/2018, maturity notice was sent to my address at XXXX XXXX , XXXX . 
I closed the acct., check was not received, called bank and was informed cd was closed and check sent. I called again and was informed check was sent to my winter address in XXXX. and after several attempts to deliver it, check was returned to bank. Check would be arriving by XXXX XXXX XX/XX/XXXX. When it didn't arrive, I called again, it has been 24 days that this money, over {$40000.00}. has not been receiving interest and now told XXXX XXXX will deliver it XX/XX/XXXX. How can a bank treat a customer like this? If I rec. check on XX/XX/XXXX, it will be 25 days, I have been without the use of this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: FACTUAL DATA CORP.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attached letters regarding each erroneous or incorrect reporting.

Please see attached letters. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today, XX/XX/28, I spoke with XXXX from Transworld, who advised that he is the director. XXXX advises me that he has the authority to extend a payment agreement, but that I would have to send proof that I am awaiting a withdrawal check in the mail. He threatened that he will report this to my credit if he feels that I am lying. After multiple calls with XXXX and feeling pressured and threatened ( by advising that they WILL report to my credit and not grant me time to pay ), I paid the balance using funds that were not meant to be used on this debt. I and my mother have been harassed by this company. I was advised on one call that they reviewed my mothers assets and that she could pay for me, instead of listening to me advising that I had the money, but needed a few days to wait for a check that I was expecting due to a withdrawal that I made in order to pay this debt. The first time I spoke with this company, I was advised by XXXX XXXX that I should not be calling unless you are paying now. This was after I received notice from my mother about this debt and was calling for information because this company never contacted me. XXXX also advise me that he is not here to help the consumer get whats best for them, but to help my client get whats best for them. I dont have to work with you. I have a monthly quota to meet. This has been a very stressful week of dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions 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:
I had a disputed issue and it was removed from my credit report. 
Before the problem arise I had a perfect credit score. Once they reported the disputed issue to my credit, my credit score has been decreased by 30-40 points. 
Since the issue has been deleted from my report, I think it is fair to get back my original credit score. ( The score I had before the disputed issue ) I haven't got back my points which I used to have before the disputed issue.

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 2018-09-18
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I purchased a bike from XXXX XXXX XXXX in california. On XX/XX/XXXX I contacted XXXX  XXXX XXXX and requested a full refund. They told me by email that it would take 24 to 48 business hours to process. Than I got another email saying that it will be 7 to 10 days. I waited than I co tacted netspend and they informed me that they didnt receive the right information to release my funds. So I got what they needed and contacted XXXX  XXXX XXXX. They said we have sent numerous emails and faxs to the company. Finally on XX/XX/XXXX my fiance called netspend and spoke to a supervisor and did a three way call to XXXX XXXX XXXX and had a supervisor on the line ... the netspend people told XXXX  exactly what to do. XXXX said they have done this so many times and will do it one last time. Unfortantley, i received an email that says the documents we received was not an approved document. My fiance called netspend today, 3 weeks later and netspend customer service said the document is being reviewed ... .I ont understand why they just cant contact each other via phone and take care of this matter once and for all.

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 2020-07-16
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$79.00} XXXX AR XXXX {$110.00} XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX AR XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXBANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to Experian, XXXX and XXXX. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT XXXX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO INCORRECT.

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 2018-09-18
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a wage garnishment notice, but this was the first I had heard about it. The company had my wrong address the whole time. I contacted them to stop the garnishment and set up payments once I found out what was going on and they refused to work with me, even though they had the wrong address the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Refinanced with Nationstar in XXXX and they refunded me $ XXXX escrow which I informed them was a mistake but they insisted they were right.Now over XXXX months later they admit they were wrong and want the money back.However I am not happy with the options they have presented me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I accidentally incurred an overdraft on my checking account due to an error with a XXXX transaction. I was under the assumption that not being enrolled in overdraft protection would cause the payment to fail as it would with a debit card transaction. 

on XX/XX/XXXX the transaction completed and my account was left with a balance of XXXX. 
on XX/XX/XXXX a {$35.00} overdraft fee was applied to bring the balance to XXXX. 

On XX/XX/XXXX I became aware that my account had been overdrafted. I went to the local branch and stated that i would like to cover the overdraft amount and asked if there was anyway the overdraft fee could be waived. 

I was provided a customer service number ( XXXX ). I was told to call the number and they would waive the overdraft fee. 

When you call the customer service number there is an automated menu. At no time does this menu give you an option to speak to a live person. After a week of calling this number and trying EVERY menu option I found that pressing '0 ' TWICE would transfer you to a live person. If you press '0 ' once it reverts to the main menu, if you press '0 ' twice it connects to a representative. There is NO mention of '0 ' being a menu option at all. 

on XX/XX/XXXX I was finally able to talk to a representative. He said he could waive the original overdraft fee, but i would still be responsible for the two {$30.00} fees that occured in the time period that I was trying diligently to rectify the first fee. I told him this was not acceptable and I would like to close my account. In order to close the account I would have to bring the balance to zero. 

My balance is currently XXXX due to {$60.00} in fees incurred by the original overdraft fee which was waived. 

I then went back the the local branch and was told that I would be stuck with those fees. 

I think that it is ridiculous that the customer service number 's automated menu is intentionally obfuscated to the point that it does not have a straight forward way to talk to an actual person. It took me a week to figure out to press '0 ' twice, and in that week they want to charge me an additional {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had initially called in to my auto loan company ( Ally ) to find out if I could decrease my interest rate, not because I wanted to decrease my monthly payment but wanted to pay off my loan sooner. The person I spoke with told me that this was not possible. There had been no communication since. On XX/XX/2018 at XXXX I received an email stating that my automatic payment had been cancelled. I tried logging into the company 's web portal and it informed me that my account had been closed. These were not authorized changes to my account and at no time did I verbally or in writing agree to any changes. When I contacted the company they told me that they had cancelled the automatic payments because I requested to have the loan rewritten to reduce my monthly payment by spreading my payments at the same interest rate over a longer period of time. The company insisted that no other changes were made to my account other than suspending automatic payments. I have the screenshots showing that my account was completely closed proving their lies about what was and what was not changed. Over the weekend the company was operating with an overseas call center and refused to put me in contact with someone who could have had the issue corrected. I have made 100 % of my payments on time. Now, because of the unauthorized changes to my account the company did not take the scheduled payment on time and my account is now past due, through no fault of my own. The way they had closed my account I couldn't even make a payment to my account. I was able to ultimately get escalated to XXXX XXXX at XXXX who guaranteed me that my account was corrected. I have screen shots showing that my account was in a past-due state. i asked her about this and she assured me that I would see the automatic payments start again over night, my payment would be processed and that my account was indeed in good standing. Today, I am now getting collections calls from Ally telling me that I am past due and that they want their money. My account still shows that it is in a past due state. I have literally been trying to pay them and they aren't taking the money. This is putting my account status and my credit score in jeopardy. I am looking for someone to investigate Ally the way they did XXXX XXXX. If this happened to me, it has happened to others. These types of unauthorized changes can not be legal and only benefit Ally. If I didn't read my email I would have been reporting my car was stolen three months from now and then finding out that they repossessed it after making illegal, unauthorized, changes to my account.

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