BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: DISCOVER BANK
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, I called my bank, Discover Bank, to request a domestic wire transfer of {$1000.00} from my account into my boyfriend 's account. I was told it would be done in one business day. I assumed that maybe my boyfriend 's bank is delaying the release of funds because it's the first time. He called his bank and they do not see any wire transfer coming in. So today is XX/XX/2019 I called Discover Bank to see what's going on and I was told that they had tried to reach me around XXXX  regarding this transfer. I was told that the Federal Reserve is requesting additional information of the beneficiary, my boyfriend, and I need to give them this information for him to receive the funds. They need his Nationality, immigration status, permanent residence address, place of birth. I called them back and told them if I can cancel the wire transfer and I was told by another representative that the funds couldn't be returned until the Federal Reserve has the beneficiarys ' personal information. He is from XXXX XXXX. The amount is {$1000.00} and it's a domestic wire transfer. I don't see the need for so much information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called onXX/XX/3019 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Calls from Americollect. I do not have any debts to my knowledge. Always has a recorded message. Sometimes the message would be halfway finished when my voicemail picks up and sometimes the message would start when my voicemail picks up. One time I did pick up the call to ask them to stop calling and it was a recorded message not a human being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The person who helped me with navient, instead of helping me lower monthy payments told me it was a better idea to use forebearance or deferment. Happened the 2nd time I did it as well. Both times I was told my loans would be placed on hold. However, they still accrued interest. I have tried getting monthy amount lowered but they said they can not go any lower and I can not afford that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Valor Intelligent Processing, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am writing to record and dispute the attached letter that I have received XX/XX/2020, ( enclosed copy ) from Valor Intelligent Processing , LLC. 
I believe this is a collection scam as I dont owe money to XXXX XXXX XXXX. 
Valor Intelligent Processing , LLC called me, XX/XX/2020 @ XXXX XXXX  EST, from the following phone # : ( XXXX ) XXXX alleging I owe {$2200.00}. They requested I provide a credit card number over the phone for payment. When I refused, the female operator got quite belligerent with me ; demanding payment. 

I then requested a letter from her without providing any contact information to her. I received this enclosed letter XX/XX/2020. 

Please investigate this matter and contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a loan modification earlier in the year. Not only was the process agonizing, I made all the trial payments. I finally received the permanent loan modification in XXXX if I remember correctly. It is now XX/XX/2019, I have NOT received any NORMAL UPDATED MORTGAGE STATEMENT since this loan has been permanently modified. Please help me obtain a normal mortgage statement.

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 2018-12-20
Company: Netspend Corporation
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX Netspend sent a charge back from an online gaming website for XXXX XXXX  for XXXX XXXX {$10.00} XX/XX/XXXX deactivated account through XXXX XXXX XXXX ( XXXX  ) for won charge back at that time I had paid XXXX and cash XX/XX/XXXX Netspend credit {$5.00} for XX/XX/XXXX XXXX  coins XX/XX/XXXX complaint about money left on account XX/XX/XXXX {$110.00} credit Netspend XX/XX/XXXX XXXX  XXXX XXXX {$280.00} credit I had 2 prepaid account through XXXX and was unaware of the multiple transactions from XXXX XXXX XXXX XXXX I recently received $ XXXXcredit from XXXX for partial from XXXX I went to Netspend requested remaining balance on XX/XX/XXXX XX/XX/XXXX Netspend decision was because it was after 60days I can't do anything that unfair this website is aware of my complaint of the unauthorised transactions and not dispute the refund its Netspend were my account is i haven't dispute charge back with XXXX  XXXX XXXX with XXXX I don't understand if the company is will refund why can't the company i trusting my Money with didn't notice these multiple transactions I don't receive monthly transactions please help on what is it that I need to do I can't let this company just keep my earned hard money thank you 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 2018-06-14
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home at the end of XX/XX/XXXX with Freedom Mortgage Corporation. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX which is owned by Freedom Mortgage provided the services for refinancing the new loan and paid the real estate tax on XX/XX/XXXX as part of the closing cost. Also, in XX/XX/XXXX our real estate tax was paid a second time from our new escrow account on XX/XX/XXXX. Our new escrow account immediately went negative for all of XX/XX/XXXX. Not realizing that our account was negative and trusting in good faith that Freedom Mortgage Loan Services was handling our account correctly sent us a Escrow Account Disclosure Statement on XX/XX/XXXX indicating an escrow shortage of thousands of dollars and increased our mortgage to an incredibly large amount to cover the negative balance and the XX/XX/XXXX real estate tax. We have sent a Notice of Error Letter directly to Freedom Mortgage with documentation proving that the real estate tax was paid twice for XX/XX/XXXX and they responded on XX/XX/XXXX verifying that it was paid twice and stated in their letter that a refund can take up to 4 weeks to process. We still have not received a refund 8 weeks later and are still making incredibly large mortgage payments.

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 2018-06-14
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: ZARVAD III S.A.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX applied for a payday loan with MyPaydayLoan.com. I never spoke to a representative to finalize it yet they deposited the money anyway. I emailed them and asked that they not, but they did. So I figured I would get it paid off. {$300.00} was deposited into my checking account and I have paid {$90.00} to date. I revoked automatic withdrawal of payments and MyPayDayLoan.com refused to provide me with a mailing address to mail payments. Today I received a threatening email from MyPaydayLoan.com. I can not access any information about my account. I can not make any payments. I can not find any mailing address. This is a predatory scam. I want this stopped. I owe {$210.00}. I will pay {$50.00} bi-weekly starting XX/XX/XXXX MyPayDayLoan will remove any negative reports against me via my SSN. MyPaydayLoan will provide me with an address where I can send payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019, I received a letter from XXXX XXXX XXXX, Assistant Vice President, Member Debt Solutions,  USAA Federal Savings Bank that my account was past due. I immediately contacted USAA Federal Savings Bank. I had spoke to 3 different customer representatives. First of all, XXXX informed me that USAA placed a fraud on my credit card for XXXX payment which caused me to affect my credit scores. Secondly, I then contacted USAA, and talked to XXXX and she confirmed that the funds were released and apologies. That, the bank had the funds which was supposed to pay for the credit card payment. Thirdly, I then talked to XXXX from USAA banking department and she informed me that the XXXX payment was received. On XX/XX/2019, USAA reported my account to the credit bureau which NEGATIVELY affected our credit scores. While my daughter reported to USAA of a fraud on one of her accounts. She had to wait for USAA to reimburse her account. The credit card which she was making payments via online on a monthly basis for the month of XXXX and XXXX was stopped by XXXX XXXX due to the fraud probably at a gas tank reported by our daughter. USAA charged 2 payments in the amount of {$240.00} on XX/XX/XXXX. USAA returned one payment on XX/XX/XXXX and XX/XX/XXXX. I had received a letter that a payment was not made. So I contacted XXXX XXXX, and was informed by the banker that payments were stopped due to reporting of the fraud coming from USAA. Subsequently, USAA kept informing me that payments were not made so my daughter made payments that were charged on XX/XX/XXXX and XX/XX/XXXX. My wife contacted USAA to inform XXXX that a payment plan in the amount of {$240.00} was arranged on a monthly basis. XXXX was not cooperative and inconsiderate in satisfying the customers need as she had mentioned that is the reality a payment not made. I informed her that payments made twice on XX/XX/XXXX, and that one of the XXXX payment should be applied to XXXX. But, she said I couldn't do that. XXXX XXXX stopped payments coming from USAA including the credit card that was being paid in good faith. Currently, the new balance is {$750.00}. I am a XXXX veteran, retired, and in a fixed income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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: Account status incorrect

Complaint:
Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-12-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX went to XXXX XXXX XXXX fuel on XXXX XXXX XXXX XXXX, insert membership and the American Express Bluebird PrePaid card. The card came back with a declined. I was confused went to check app for balance and the app was not working. I left without gas and got gas later that day at XXXX XXXX with no problem. Checked my balance later and was shocked to see XXXX on the hold. I call Amex furious, the said 24-48 hours and the hold will drop. Not the case as I write this memo the funds are still on hold as of XX/XX/XXXX. Why must my XXXX be on hold as a hostage HOLD. I did not receive the goods of fuel. Contacted XXXXXXXX XXXX XXXX twice to the matter no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am writing this today in regards to XXXX XXXX  Account # XXXX, I have reached out to the bureaus along with XXXX  XXXX  to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent

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 2018-06-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My original loan was for {$7800.00} and I've paid all but {$4300.00} of it. I have made large payments up to the amount of {$800.00} at a time. I asked for a loan deferment for the months of XX/XX/XXXX and XX/XX/XXXX because I was having a XXXX and was never sent the paperwork for it despite calling numerous times and asking for it, but I was charged the fees for XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX for the deferment. They also automatically withdrew amounts from my bank account without my consent for 3 months. And now they're beginning their harassing phone calls again. They call me five or more times every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XX/XX/2019 I sent a request to Experian and XXXX for the 4th time in 1year to have the information regarding the XXXX XXXX XXXX account removed from my report. I informed Experian and XXXX with a certified letter on 3 occasions that the account balance was incorrect along with payment history and that the account needed to be removed. I asked for the contact name and information for the representative providing the information at XXXX along with verification of a contract with my social and signature, and how the obtained the information from XXXX. It turned out that the account balance was incorrect and even though they recently change it, it is still incorrect. They also never updated my payment history. Experian and XXXX never submitted to any documentation with my signature or consent of contract information no did they provide the names and contacts of agent at XXXX submitting this info as accurate. They ignored my written request to have this account removed as well as my telephone request for this information. XXXX was part of state-wide lawsuit here in Connecticut.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018, I began the process of applying for a Citibank regular checking account and a Citi savings account. I applied as part of a promotion, which required me to maintain {$15000.00} in one or both accounts for 60 days in order to receive a bonus of {$400.00}. The bonus was supposed to post within 90 days of meeting that requirement. 

I deposited {$15000.00} on XX/XX/XXXX and left the money in place for over 60 days. ( 60 days was reached on XX/XX/XXXX and I transferred {$5000.00} out of Citibank on XX/XX/XXXX. ) On XX/XX/2018, 90 days had elapsed since meeting the 60-day requirement, and the {$400.00} bonus had still not been posted. I contacted Citibank customer service, who said they were initiating an inquiry. 

I have read a number of reports online from other individuals who had similar experiences and did not receive their promised bonus until they filed a CFPB complaint. Hence I am filing this complaint rather than waiting any longer on Citibank 's investigation. 

I am uploading several documents. One is the transcript of a chat I had online with a Citibank agent, confirming that the promotional offer is attached to my account. Another document is a PDF containing the terms of the promotion. Finally, I am uploading screenshots of my bank account, showing that I have fulfilled the terms of the promotion.

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 2018-02-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, Experian charged my card for {$4.00} for a free credit report. I did not authorize the {$4.00} charge since it was a free report. Then on XX/XX/XXXX, I was notified by my credit card that I had a pending charge of {$19.00} for a service I never authorized nor did I sign up for said service. I proceeded to call Experian and was on hold for 2 hours before a service representative, who could not speak clear English, answered my call. This is a complete XXXX scheme that Experian is running. They entice people through email to try a free service and then silently and through very deceptive tactic sign people up for a service they don't want. They will say you signed up. They manipulated the placement of such a deceptive tactic and many consumers are duped into signing up and not even realize it. In addition, I received an email from Experian on XX/XX/XXXX, that I click on and low an behold the next day I had a pending charge of {$19.00}. Very effective strategy for a company running a massive XX/XX/XXXXscheme. I guarantee if this happened to me there are millions of consumers having their money swept from their credit card accounts and bank account on a monthly basis. If 1 million consumers are deceived that is {>= $1,000,000} per month going to a company for a bogus service. This has the making of a class action law suite in line with the XXXX XXXX scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: TN
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 Bureau Dispute Dept. are refusing to fully Re-investigate under FCRA, of a consumer on my credit report name XXXX XXXX. I have ask under FCRA Sub-section 611 [ 15 U.S.C. Subsection 1681i ] ( 5 ) ( A ) ( i ) ( ii ), and ( 5 ) ( D ) and still Equifax Bureau Dispute Dept. have not complied with FCRA Regulations. They are stating that this account was open on XX/XX/XXXX. I have ask them for a contract that they have not provided. Also, from XX/XX/XXXX to now they can not show me for every bill statement, when was anything paid, how much was the bill on XX/XX/XXXX to XX/XX/XXXX, they have not provided that information. Equifax Bureau Dispute Dept. claim that they have verified this, I have ask them these questions 1. HOW DID YOU VERIFY?, 2. WHO DID YOU VERIFY THIS WITH?, & 3. WHO DID YOU SPEAK WITH TO VERIFY THIS INFORMATION?. I have not yet still got any response for these 3 questions but, still they keep sending out templates, to avoid what I am sending in by FCRA Law. I am in the process of sending all of this and everything by certified postal mail over to the President, Vice President, and House of Congress because Equifax Bureau Dispute Dept. are NOT FOLLOWING FCRA REGULATIONS. I DO NEED A FEDERAL ATTORNEY FOR A LAWSUIT PLEASE HELP.

Company response to consumer: Closed with explanation