BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
After using my paypal account for over 10 years, recently with no notice, my account has been locked and prevents me from using my over {$200.00} balance. Paypals claim is that I need to provide them with my bank account number. 
On XX/XX/2009 my paypal was hacked into by a foreign entity and stole {$590.00} from my account and credit card. I had to get the federal government and my credit card company involved to have them repay the stolen funds. They still have no idea who or how their system was hacked. Even then they wanted me to provide my bank account number. I refused stating my personal and banking info would be at risk. 
Now again they want me to provide my personal bank account info and put my banking and identity at risk. There is no reason for this, they already have my info and have my credit card on file. Instead of paypal putting their honest customers identity and bank info at risk, they should be increasing their own security to protect their customers. 
I want to continue to buy and sell using my paypal account with my credit card on file, as I have been for the last 10 years without putting my banking and personal info at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: NSA Partners, Ltd.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hi XXXX. 



It has come to my attention that when we are late in our mortgage payment you always make advantage of adding late fees and attorney fee too. 

It's very wrong to charge the attorney fee just because we are late to make payment because sometimes things goes wrong and we try our best to make sure we are on time in remitting our rent. 



Last time I paid you the attorney money but you told me that it's because there was no communications between you and XXXX. 

Please let 's not add attorney fee on XXXX rent as I am trying to get the mortgage paid this week. 

Regards XXXX. 

This is only part of my problem. My fines have been accruing interest and i can not get a statement from him

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Here are fraudulent inquiries on my XXXX account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Here 's for TransUnion inquiries reporting in fraud : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2019-07-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a automated phone from XXXX XXXX XXXX   company phone number XXXX XXXX XXXX in regards to a old debt past 7 years and asked me to press 1 to speak to an agent which I did. 

Mrs XXXX answered and tried to collect on a HSBC debt from more then 7 years ago. I advised her that I am under Bankruptcy protection filed in the state of Texas and she need to speak with my Attorney and then she started to threaten to file a law suit after which she disconnected the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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: Problem getting your free annual credit report

Complaint:
My name is XXXX XXXX XXXX. 4 weeks ago I tried to access my credit report online. It gave me an error message that said " No report can be given based on the data provided ''. I took their advice and requested the report over the phone. Still no report. I gave the exact info to XXXX  and XXXX  and received a report.I want someone from TransUnion to call me and let me know what the problem is.

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 2023-01-09
Company: LoanCare, LLC
State: NJ
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 credit reporting agency have not XXXX XXXX with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOANCARE SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-05-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I Thank you for the educational information you have sent to me, after my inquiry. I have received from XXXX XXXX two different balances that you are trustee, Which is confusing. would you please verify which amount that XXXX  XXXX XXXX sold to you that you monetized and sold to public, I will sent the two different documentation as attachment. 
There is element of fraud with my mortgage balance. so, it imperative to save guide the public from defective instrument to be sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: National Enterprise Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re National Enterprise Systems Account XXXX On XX/XX/XXXX I called National Enterprise Systems collection company at ( XXXX ) XXXX. I explained to the agent ( XXXX XXXX ) that I received a demand notice from them in the mail a few days prior, stating that I owed them {$42000.00} ( On behalf of XXXX XXXX XXXX ) I explained to the agent that I have dealt with two prior collection agencies over the past 12 years and both were able to verify that I have never signed a contract with XXXX XXXX XXXX. Without explanation I was put on hold and transferred to a woman named XXXX ( Her direct number is XXXX XXXX XXXX ext XXXX ) XXXX informed me that the collection account was sent to National Enterprise Systems by a company called XXXX XXXX XXXX. XXXX promised me that she would request document verification ( promissory note ) and send that to my email at XXXX. 
I had recently applied for a loan and reviewed my credit report today. My credit report shows a collection account that was filed by National Enterprise Systems on XX/XX/2019. This collection was reported to the Credit Bureau before the demand latter was even sent to me by National Enterprise Systems and they have made no attempt to provide me with documents, remove the collection from my credit or show that the collection is in dispute. 
My phone conversation was knowingly recorder by the collection agency. I also have a recording of the conversation.

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 2019-01-30
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
JJ Marshall 's Associates have threatened to seize property or collect from IRS, if I don't pay a debt I do not owe. XXXX  removed the account from my credit report. But JJ Marshall 's is relentless. I lived in a home for two months, was not on the lease. The property manager is letting JJ Marshall 's Associates handle this and it is not my debt. They can not find the actual tenant that owes the money, so because I lived there for a short while, they feel that I am the culprit. This has been going on since 2013.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: BAYSHORE MORTGAGE FUNDING, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XXXX XXXX, Florida in XXXX of this year. The mortgage lender has sold/transferred the the servicing of the loan to another company. My first payment and second payment were sent to the original mortgage company because the notice of service transfer was sent to the address of the home purchased instead of my current address in Virginia. The first payment was forwarded automatically to the new servicer. The second payment however was not. I have contacted the company several times and each time I am assured that the second payment was received by them and will be forwarded to the new servicer. As of today it has not posted to my account on the new servicers website. The payment in question was due on the first day of XXXX. That puts it almost three weeks late. Help, need some guidance here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Here we go again : ) I've struggled with Wells Fargo in the past to get a STRAIGHT ANSWER to questions which I've done my best to pose in the most simplistic manner possible. Yet, ( as I state when I provide feedback each time a complaint is closed ) - WFC has yet to respond with an answer. 

1. WFC has NO PUBLIC INFORMATION regarding the rules surrounding their mortgage recast - including the minimum. This information is kept internal and only available when you contact the bank. There is 1 page online that covers " over-payments '' which fails to mention recasting. Other banks publicize this information for their CUSTOMERS, while WFC fails to. Furthermore, from the string of previous complaints it becomes VERY OBVIOUS that more and more details surround a mortgage recast are starting to come out. For example, the last complaint ( after pushing this point for YEARS now ) I discovered that recasts can be done based on an accumulation of past over-payments. Nice feature ... but ... WHAT IS THE DEADLINE? This year? All time? This is the information YOUR CUSTOMERS DESERVE TO KNOW. 

2. The last complaint posed a question which was completely ignored. WFC claims that a minimum over-payment of {$20000.00} ( which is 4-5x higher than standard ) has been set because : " it is the minimum amount at which a borrower will realize a significant difference on their monthly payment '' ... This makes ABSOLUTELY NO SENSE as everything has different monthly payments and different terms - resulting in COMPLETELY DIFFERENT impacts to the monthly payment - SOME MAY BE QUITE INCONSEQUENTIAL. This does NOT make any logical sense at all. If there was any truth behind this intention of setting the minimum that much higher than industry standard - a PERCENTAGE would be used and measured AGAINST THE OUTSTANDING BALANCE OF THE MORTGAGE. 

3. WFC hung up on me last time they called - after abour 2 mins. There is zero effort for the bank to discuss this. So, these complaints will serve as an on-going record and I genuinely hope that CFPB IS PAYING ATTENTION TO ALL OF THE INFORMATION I PRESENT. WFC IS CONDUCTING ITSELF IN A VERY CORRUPT MANNER AND RESERVING A FINANCIAL SAVINGS FEATURE TO ONLY A SELECT FEW - INTENTIONALLY CREATING A DISPARATE IMPACT WITHOUT ANY ADVERTISED RULES OR LOGICAL EXPLANATION BEHIND THEIR INFLATED NUMBERS. THIS IS TRULY A MOMENT FOR CFPB TO STEP IN AGAINST WFC. 

Please attempt to answer the questions thoroughly this time. If I open complaints with CFPB THERE IS AN ISSUE. Stop brushing them aside and answer the questions.

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 2019-01-30
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:
Dear Customer Claims Department, Fax XXXX On XX/XX/2018 two fraudulent transactions were processed on my debit card. 
In the Chase transaction report it shows as a XXXX CA gas station. 
{$390.00} XXXX and {$420.00} XXXX. I have never been to XXXX  CA, I never make large gas purchases and never make debit card purchases at middle of the night hours. Im not sure why it wasnt flagged as fraudulent and declined. 
We notified chase the same day XX/XX/18 while the transactions were still pending. After researching the claim our claim was denied stating the pin was entered and the card was somehow present. There is no possible way my card could have been there since it was in my wallet at home. I have never given my pin out to anyone. 
I have contacted the local XXXX police Please see attached proof that I was in XXXX and refund my account {$810.00} ASAP. 
Attachments : XXXX XXXX Records Work Time clock Customers/witness Tanning Report I have been a Chase Client for many many years and currently hold 6 Chase Bank/Savings accounts and 2 Credit Cards. I have never had any incidents in the past. Please make this situation right and restore my confidence in Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: ALLY FINANCIAL INC.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX are they same website that is running a puppy scam, I did a belle transfer with 1 hour called bank to cancel was told I could not and needed to dispute transaction which resulted in the bank saying nothing could be done. Each XXXX account is linked to bank account and the email XXXX was the email money was transfered to. The bank should be able to reverse charges and report account hold for improper and illegal use. Ally Bank is bank used and XXXX is the app

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: IL
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:
There are numerous accounts listed on my report that I have no knowledge of. The accounts listed were a result of fraud or malpractice.

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 2020-02-25
Company: EQUIFAX, 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:
I recently started looking into my credit and i see multiple accounts on my credit profile I did not authorize, I believe my information was compromised due to equifax data breach. I am asking that these accounts be validated and if you find they truly dont belong to me for them to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nelnet is reporting my credit as Current was 120 days delinquent. I had called Nelnet about my accounts. I was going to school at the time and informed them of that. They said they had never heard of the school. I went to the school and had a deferment paper sent to them. I followed up with Nelnet and they said they couldn't find the school in their system. I had to go back to the school and get another paper from the school to show I was enrolled. Nelnet refused to take it via email or fax. I had to mail it to them. While I was doing all this I was told that my account would not show as delinquent once I established that I was in school at the time. When they got they finally the paper they now show me as current but previously delinquent. I am struggling to get housing because of this late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: AMERICAN EXPRESS COMPANY
State: NE
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:
Issue : American Express Membership rewards points were not applied to a transaction after customer request. The following is a summary of facts and interactions with American Express customer service with approximate dates. 
XX/XX/19 : I called the customer service number since I was experiencing an issue completing the transaction to redeem my points in the American Express website. I was advised that I had 30 days to redeem my points after my account is cancelled. 

XX/XX/19 : Transaction was processed and points were redeemed. 

XX/XX/19 : Account status updated to inactive/cancel. I called the American Express customer service to confirm my transaction was process as expected and points were going to be use to process the transaction on XX/XX/19. I was advised that my points would be used to settle that transaction. 

XX/XX/19 : Since a balance persisted on the account, I paid the total balance on XX/XX/19 to avoid any negative remarks on my credit history. I called the customer service number and I was advised that there was nothing they could do because my points were forfeited on XX/XX/19, 30 days after my account status changed to inactive. However, the transaction occurred well before the 30 days on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 filed a dispute with Transunion and sent in the corroborating proof that the date of first delinquency was not being reported correctly. 
I called and spoke with a supervisor at Transunion and was informed that the credit reporting agency ( XXXX XXXX ) reported that the date was correct. 
After speaking with the supervisor and requesting how this was verified since I sent in the payment history showing the late payments, to include copies of the credit reports showing the payment history, I was informed that it was irrelevant since the credit reporting agencies said it was correct. 
We further discussed the process about the information that I sent in to prove that it was not reporting correct dates and asked if it was being reported fraudulently since I can prove that the dates are not correct and was advised that nothing that I send in is considered, only what the creditors report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Navient Solutions, LLC.
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:
Navient is reporting that I was 90 days past due in XX/XX/2019. I called Navient several times to modify my loan due to my employement status. I sent the documents in multiple times and they state they never received anything until XX/XX/2019. I also sent certified letters to their office in XXXX XXXX, PA that they stated they never received. My loan was modified and brought current and they have not updated my credit report to reflect this. I supplied all the information several times and they state they never received anything. I have the certified mail that was signed for. I have also read that several other students have had issues similar to mine regarding documents. I want the credit report fixed to reflect current status from XX/XX/2019. I have made several attempts over the past year to try and get this resolved and nothing has been resolved.

Company response to consumer: Closed with explanation