BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: Paypal Holdings, Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
paypal which is owned by XXXX  refuses to honor the policy and aggreement between XXXX and myself which which states that a seller 's payments for goods and services sold through the the XXXX  platform in which paypal collects the proceeds from the sell shall only be subject for a mandatory 21 day hold for 90 days. Once the seller has been an active seller for 90 days, the seller shall have immediate access to funds from sales made on the XXXX platform held in the paypal 's seller account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I previously contacted you about this situation. XXXX from Credit Acceptance advised me to call them and that the problem with the extended warranty cost will be refunded against my loan. I just contacted credit acceptance and they have no idea what I am talking about. I would like this taken care of and the derotogatory marks on the credit report removed. I need to get this done. Thank you

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 2017-08-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened TD Premier checking account by clicking on the button of the attached picture bonus_promo.jpg on XX/XX/XXXX. It promised me {$300.00} bonus if I follow reasonably simple rules listed on the same picture I followed them and by XX/XX/XXXX had $ 2500+ in direct deposits, see " ACH DEPOSIT, XXXX XXXX XXXX XXXX '' marked transactions in XX/XX/XXXX and XX/XX/XXXX statements. Since the promo did n't say when bonus will be paid out and it was n't showing up on my account I submitted online inquiry. Since response was n't of any substance to my particular case I tried again, with the same result ( see attached XXXX and XXXX Since online inquiries werent going anywhere, I started calling TD customer service at XXXX. On XX/XX/XXXX I spoke to XXXX, who did math together with me, agreed that all conditions of the promotion were satisfied, confirmed that having credit card account with TD prior to opening bank account did not disqualify from this promotion and told me that bonus should be paid by XX/XX/XXXX On XX/XX/XXXX I spoke to XXXX, who confirmed everything that XXXX confirmed and promised that I will have a response within a week. On XX/XX/XXXX I spoke to XXXX, who also agreed that I satisfied all the conditions of the promotion yet pointed me at the bonus promo FAQ page ( see Bonus_promo_FAQ.jpg ) and said that bonus will be paid by XX/XX/XXXX according to it ( 95 days after {$2500.00} in direct deposits ) On XX/XX/XXXX I went to my local branch at XXXX XXXX XXXX XXXX, XXXX XXXX , NJ XXXX and spoke to XXXX XXXX ( XXXX XXXXXXXXXXXX ) - who also agreed that all conditions were met and he send an email to XXXXXXXXXXXX, who would supposedly fix it After not receiving any response from XXXXXXXXXXXX in about a week I called customer service again on XX/XX/XXXX and spoke to XXXX. XXXX also agreed that all conditions of the promotion were met. He clarified that there were 2 different promotions, one {$2500.00} in direct deposits within 90 days and bonus payout after 125 days of account opening - the one that I was using, and the other one ( {$2500.00} in direct deposits within 60 days and bonus payout after 95 days after deposits completion - the one described in bonus_promo_FAQ.jpg ) And in my case bonus should have been paid by XX/XX/XXXX and in any case I satisfied conditions of either promotion. He sent email to some promo department and said that they should fix the problem within a week or so It is XX/XX/XXXX now, bonus still have n't been paid. All customer service representatives I spoke to were very courteous and professional. Unfortunately, after 2 online inquiries, 4 calls and 1 in person visit I still was n't able to get promised bonus, so I do n't think they are able to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have requested several times to Lakeview Loan Servicing to have my Escrow payment adjusted due to having a XXXX veteran exemption on my property. I am currently paying $ XXXXmonth of escrow based on an elevated tax bill that does not apply to me since I have been able to put my XXXX veteran exemption in and it was effective immediately. The latest bill that I received for the month of XX/XX/2020 was {$800.00} for the year which has been submitted to the company. My annual property insurance bill is only $ XXXXyear which is correct on their website. I am requesting an adjustment to the rates that are actually in place. I have spoken with at least 3 or 4 different people since XX/XX/2020 to make these adjustments along with submissions through the website. Please reach out to me if anything else is needed. Thank you.

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 2020-07-06
Company: ProCollect, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Procollect INC, contacted me about money owed for breaking a lease. I payed them the total amount but they keep the collection on my credit file to look like a loan paid in full. It was not a loan and should have been removed when I paid in full. I filled a dispute with XXXX and they said only Procollect could remove it from my Credit report. Im a XXXX XXXX veteran and on a limited income. However, I paid the debt now Procollect should remove it.

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 2023-02-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a U.S. postal Money order. Which Cleary states at the bottom that it is a negotiable instrument which I brought and paid for the right to negotiate it. Money Order XXXX ( Amazon ), XXXX ( Pay Pal # XXXX ), XXXX ( Pay Pal # XXXX ) was made with the proper clauses and provisions based on banking law in the amount of XXXX, XXXX, XXXX in accordance with HJR-192 public law 72-10, UCC 3603 ( b ) UCC 3-311 and public law for negotiable instruments to Synchrony Bank on XX/XX/2023. They accepted my instrument but did not credit my account correctly I did call and spoke to an XXXX and they refused to stand in honor of the law by applying the proper payment even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit fir them. 
I am filing this complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing ab illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

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 2019-08-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
O N XX/XX/XXXX, RECIEVE A LETTER FROM MORTGAGE SERVICING COMPANY SPS OUT OF XXXX XXXX XXXX, UTAH. THE LETTER STATE 1.) THAT THEY ARE SETTING UP AN ESCROW ACCOUNT WITHOUT MY CONSENT, 2.) THAT THE MONTHLY PAYMENT IS BEING RAISE FROM XXXX TO AMOUNT OF XXXX. THE PURPOSE OF THIS ACTION I BELIEVE IS THAT I AM COMPLAINING BECAUSE THEY ARE CHARGING ME  INTEREST ON AN ADVANCEMENT THAT ANOTHER MORTGAGE COMPANY USED TO PAID MY TAXES SEVERAL YEARS AGO ( MORE THAN 10 YRS AGO) AND THEY ARE DEMANDING THAT THIS AMOUNT WHICH IS DUE ON THE LAST PAYMENT OF THE MORTGAGE WHICH THE ADVANCEMENT DID NOT COME WITH ANY INTEREST DEVICES OR PAYMENT SCHEDULE OR A SCHEDULE TO WHEN IT WOULD BE DUE.SECOND THEY ARE NOT THE FRIENDLY COMPANY TO GET RESULTS FOR MY MORTGAGE. IF I HAD MY WAY I WOULD HAVE NEVER USE THEM.THIRD  THEY CONTINUE TO HARASS MY PHONE WITH CALL ABOUT MY TAXES AND HOME INSURANCE WHICH BOTH ARE CURRENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: SYNCHRONY FINANCIAL
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 and XXXX issued me a credit card from Synchrony Bank I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit 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 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
capital one claims i own XXXX dollars and XXXX dollars on these two accounts i never opened these acounts capital one wont even investigate these for me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Ghidotti | Berger LLP
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX they called twice in the same day. Threatening that I was outside of my contract and that I would be on their delinquency report. I explained that I will be making a payment on XX/XX/XXXX. They said they didnt see that and that since Im paying outside of my normal process this isnt allowed and that I would have to pay by the Monday the XXXX. I explained this is when I would have the money. She kept threatening me with I was outside of my contract and that would be reported and I responded Im not 30 days late and I could pay. She started my contract says I have to pay in the month Im due or Im in violation and this could lead to further action. I said Im not 30 days late so thats fine. She went in further about their delinquency report and I said that has nothing to due with me and I would appreciate them to stop calling me as they had called me all week and hung up on me. I explained this is rude and its a violation. I went in to their website and scheduled the payment. Then a called called me back and began asking me to change my due date and began pressuring me and when I said hes in violation and that need to stop calling he said do you want the help or not. I asked for him to stop and the company to stop calling me Im at work and this is harassment about a payment I schedule on their actual website. He continued on trying to threaten me and pressuring me to change my due date and pay a lesser amount then my actual monthly payment. 
They called me the first time at XXXX XXXX  and the again at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE XXXX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM XXXX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX. FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. XXXX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. TRANSUNION ALSO DID THE SAME STUFF. ALSO XXXX. BUT XXXX  HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.

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 2020-12-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I requested this account be closed on XX/XX/2020 while speaking with account manager XXXX in the Arizona Office. When this account was closed, I was told multiple times that this account would not get any fees added to it and that my security deposit of {$200.00} would be used to pay the remaining balance of {$180.00} and that I would receive a check for the remainder of the security deposit that wasn't used. On XX/XX/2020 I received multiple phone calls from Citibank  's automated system to inform me that my account was past due and that it would be sent to collections. I logged into my Citibank account online and saw a balance of {$210.00} for my closed account. The account had been charged a late fee of {$25.00} and a Finance Charge of {$3.00}. I called the customer service line to find out what was going on with this account, being that it should be closed and should not be getting fees added to it, as I was told by XXXX. I spoke with multiple representatives that acted as if they didn't know what was going on and didn't see a problem with the account. After I spoke with an escalation manager named XXXX, she stated she would remove the {$25.00} late fee and the {$3.00} finance charge and notate the account in regards to the account closure and pending payment of the security deposit. When I asked XXXX about why did this account get fees, when I was told it wouldn't get fees, I requested that she pull the phone call from the day the account was closed, so they would hear what was told to me in regards to the account closure. I then requested to speak with someone higher than XXXX because she couldn't explain why someone had lied about the issue and Citibank had done the opposite. I spoke with another representative named XXXX, that basically was concerned more about the automated system 's calls to me and wanted to repeat the balance due on the account and not the issues of their lying to me, multiple times.

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 2019-03-04
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:
Experian credit reporting agency refuses to put my home loan history or the existence of it on my credit report. 
My home loan has been in existence since XX/XX/XXXX, and the loan was placed in my chapter XXXX bankruptcy and when it was satisfied in XX/XX/XXXX, they wiped it off my credit report after the 7 year requirement to erase it. The home mortgage loan still has continued on to this day. And they refuse to place back on my credit report. 
Im still making my payments monthly and have never been late. 
I need help to get my loan back on my credit 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 2020-11-09
Company: LEXISNEXIS
State: WA
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:
- I've got multiple account denials citing LexisNexis Report. I've been ordering NexisLexis reports since XXXX, I never received any copy or disclosures. 
- Recently in XXXX, the month of XXXX and XXXX, I requested the report through a paper application form - which was submitted on XX/XX/XXXX following an inquiry on XX/XX/XXXX. 
- Lexis Nexis on XX/XX/XXXX informed me that they mailed out a link for me to download my file. I however never received any documents - consistent with all of my experience with Lexis Nexis - I never received anything. 
- I followed up on XX/XX/XXXX, Lexis Nexis refused to look into my file. The same customer service agent, XXXX XXXX  XXXX, constantly puts my inquiry into the loop ( request to be followed up and never sent out my paper work ) - LexisNexis ignored my XXXX XXXX XXXX complaint and now I'm out in the cold without my consumer report and my right to my information is violated severely by the company. I can't even get a bank account that uses LexisNexis system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2016 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I made a purchase with merchant XXXX XXXX it shows up on my statement as " THY XXXX '' for the amount of {$1000.00}. I received texts in XXXX and emails in XXXX from the merchant notifying me that my flight ( the service ) had been canceled. I informed my credit card CHASE company in XXXX or XXXX that the services I purchased were canceled and the services were never provided. I have been going back and forth with my credit card company and I am not understanding what the issue is. When someone buys a product or a service, the consumer is in every right to charge-back the item. Chase has not been helpful in trying to resolve this issue. XXXX  XXXX is being fraudulent by not providing me the service I purchased. Chase at that point needs to come in as my credit card company and communicate with the merchant to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09
Company: WELLS FARGO & COMPANY
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:
There is a bi-weekly deduction taken from my XXXX as I work for the XXXX XXXX XXXX ( XXXX ). I did not create this account which is over ( 16 ) years old now. It is deemed as being a " Savings Account ''. The bank to which my money is going is clear with all details available to me. The problem is that no one at the bank will talk to me stating " my name is not on the account ''. Well, you can see my dilemma. I 'm working with the XXXX XXXX XXXX XXXX ( XXXX ) and other organizations to remedy this matter. I have a trail of accurate, damning information for those responsible if anyone will take the steps to hold them accountable. I do n't bank with the institution that 's been taking money from my account for over ( 16 ) years. I use another bank to deal with all of my banking needs. Please advise, XXXX XXXX XXXX Email : XXXXXXXXXXXX

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 2017-08-09
Company: AMERICAN EXPRESS COMPANY
State: CA
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 was supposed to receive XXXX skymiles and {$100.00} statement credit if I spent {$1000.00} in 3 months. American express has said I have met all the requirements but will not credit my account. They keep telling me they will research the problem. I met the requirements on XX/XX/XXXX. They say it takes 6-8 weeks after that and it has been 12 weeks. I have called several times and they just say to call back and check later.

Company response to consumer: Closed with explanation