BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: BID SOLUTIONS LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
So I got XXXX XXXX XXXX to help me with a loan modification. It was great from the start because they seem helpful, but after paying them for the 3 months they asked me to, nothing happened. I have called them and emailed them and nothing. I got no reply from any of the emails and all the phone calls I made has gone straight to voicemail. Ive sent them 3 money orders in the amount of {$1300.00}. They say they email me but I havent seen anything for months. They said they left voicemails but I havent gotten any. Now Ive received a letter Notice of Trustees Sale and called the XXXX number on the back and talk to someone and he gave me the site so I can complain about what happened.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an account with Paypal, who decided to lock my account despite it having a valid password, and the account having been validated by phone several times. They have now fully locked my account, and say this can only be open by calling their telephone center. However, calling the center leads to a message that says due to Covid-19 they have suspended the telephone center. Meaning there is no way to resolve access to accounts with Paypal right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV, LLC is in Violation of the Fair Federal Debt Collection Practice Act 15 USC 1692g, failure to comply with my request for " Validation of Debt. " not " Verification of Debt. " Failure to " Cease & Desist telephone calls. " Violations of the FCRA " 15 USC 1681. verification of debt by submitting a signed credit application verifying my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We had a XXXX XXXX totaled in 2019, where the loan was carried with Ally Financial. It has taken us nearly a year to track down The gap payment between XXXX and Ally. We stayed in communication with Ally the entire time. We were warned about possible late payment credit reporting and then reassured beginning of XXXX That would not happen since we were communicating with them. The day after, we received negative alerts on our credit. This was XX/XX/XXXX. I have spoken with Ally no less than 10 times where I have been told the negative credit reports would be reversed. It is XX/XX/XXXX. Im on my Fifth phone call with them in 13 hours and going on 6 hrs of call time today. 
I have been transferred between representatives multiple times, but never had resolution. 
This practice has caused me financial loss through work hours, as well as the inability to get funding on a new vehicle because of the incorrect negative reporting.

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 2023-07-25
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I applied for a online loan and they put funds into my account which was available right away but the amount they had sent was not what they told me that I was approved of. The date was XX/XX/XXXX and there was nothing that made me think that something was wrong because PNC bank made me think that it was cashed and available until a few days later they put a provisional credit for the same amount for what the loan was for and now that I have sent back the money to the loan company which I found out it was a scammed company I am out of my money and the bank is telling me that I am not going to be able to retrieve the money back because it is not insured for these types of problems. So, I asked the person from the bank so anyone one can just get money out of anyone 's account, and you will cash it but later on reverse it so that you all can make money. It seems like they are working with the hackers and scammers so that they can charge their customers overdraft fees and checks that they have cashed but later on make it a false check. I am XXXX and I had to cancel some very urgent appointments with my XXXX XXXX  which I have a serious XXXX coming up and I had to call my pharmacy and explain my situation so I can get my medications for my XXXX XXXX and my XXXX. All I want is my money back and them to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Incomm Holdings Inc.
State: TX
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:
I purchased a new {$50.00} XXXX XXXX  XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX Expiration Date : XX/XX/XXXX. I went on line and had it activated. The next day I tried to order an e-book from XXXX, the charge was rejected. I contacted XXXX and spent an hour on the phone with them and they assured me that the problem was not theirs. 

I contacted the customer service for the XXXX XXXX XXXX they have told me over and over again that the card is good. It has been activated, and has a {$50.00} balance. It still has that {$50.00} balance, but it has been rejected every time I try to use it. 

I even bought a new and different {$25.00} VanillaGift card, XXXX XXXX XXXX XXXX, Expiration Date : XX/XX/XXXX, to try again, I had the very same results. Looking a little bit deeper into it, it looks as though the Vanilla Gift card & XXXX XXXX XXXX  are the product of the some company. They need to be shut down for lack of customer care. 

When I tell told them these card still do not work, they told me again they should, but in reality they do not work. They offer no reason whatsoever as to why they don't, or won't work. So far, I have wasted {$75.00} dollars on these worthless cards. 

I don't have any other recourse, and I don't know what to do. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Park Hill Holdings
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XX/XX/2023 emailed and called my background is restricted and is not suppose show up

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 2020-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My name is XXXX, XXXX the XXXX on case number XXXX I have been a loyal customer since XXXX never missed a payment and due to covid its been hard. I have asked for an additional assistance on having a fee waved and then making a payment since I was now able to make the payment unfortunately they stated even though we are going through a pandemic and people are having hardships there is nothing that can be done even after talking to a supervisor. I asked if there was a plan moving forward and only then was told they can only help with payments nothing more I also asked could they go over it with me. I never heard the plans of how they could help moving forward and my original issue was never resolved. I am very saddened and upset that they only treated me as a bill and not a person. Not only have I never missed a payment in all those years but I also sent numerous family members to the company. I use to love them but if they cant help during a pandemic Im not sure they are going to have people best interests at heart. I was told to also write in Mailing address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX which I did but I wanted to make sure I did this as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXXXXXX? XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months ) 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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

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 2020-05-31
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a past XXXX bill that was OPENED in XXXX ... NOT XXXX the creditors are stating it was opened in XXXX of XXXX WHICH IT WAS NOT.. I been disputing to get them to update my credit report am XXXX XXXX I have XXXX XXXX XXXX in both ears I can not hear on the telephone or I would call the creditors and speak to them but unfortunately I cant cus I cant hear on phone..I am on limited income SSDI am due to the Corona Virus I am supporting family members cus they were layed off till they can get a job I only get XXXX a month I cant make the payments am trying my best to get my credit back in order I just recently payed off one credit card and am trying to contact XXXX to see if I can make payment arraignments but there not responding now that I payed off the last credit card I cant afford to pay no more then XXXX dollars a month I am aware I owe but I thought I would try my best on tying to dispute this And have it removed from my credit report because they listed the wrong info about when the XXXX account was opened I have documents to prove it it was open in XXXX its an old debt That I was unable to pay due to lay-off at the time and I know now how important it is to pay you bills on time an am learning through my past mistakes am am dealing with the conquences now On trying to better my credit and Now I know how important it is to have good credit I know now you cant get no where in life with out having that..The creditors have added comments On my credit report that it will be signed over to an attorney they marked it Dergotory am trying here ok can you please look it over on trying to delete this from my credit report due to wrong dates to when the account was opened.. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I initiated a CashApp transaction XX/XX/XXXX of {$40.00}. This was debited from my bank account balance the same day. 

An XXXX hold transaction for {$40.00} was initiated by CashApp XX/XX/XXXX. 

The funds were sequestered and were paid to CashApp. 

I reported the incident to my banking institution. They investigated and found the transaction on XX/XX/XXXX was not authorized. They credited my account for the {$40.00}. I moved the funds to my CashApp card for holding. 

I made an XXXX purchase with my CashApp card for {$10.00}. My balance left was {$29.00}. 

The funds were removed arbitrarily and have no transaction data to show where it went. 

I reported to CashApp both telephonically and via the app. 

The telephone customer service advocate hung up on me abruptly during responding to my call, the in-app XXXX arbitrarily stated that the card transaction was declined and the XXXX debit was initiated and ended the transmission, a second in-app XXXX mirrored the same as the first XXXX 

I explained I was holding the {$40.00} that was recovered successfully by my banking institution on CashApp and it was now gone. I attempted to report fraud to CashApp for this. My reports were rejected and conversations disconnected and/or ended without the financial institution initiating a claim or assistance with filing a claim to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Dear Executive Office, I was told XXXX and the executive team would be able to resolve this once and for all for me so I'm writing in hopes to hear back with full resolution once and for all. 

I have been a longtime and loyal customer and have had issues on my Bank of America credit card with incorrect charges and charges not belonging to me. I have reported it now several times and then was informed these are and were not prosperous handled and someone should have replied back to me and handled it within the allowable time frame. I understand now since that hasn't been done you should be liable to clear the balance on my account. I received a call and text message from you guys on Monday this week advising that there was a suspected fraudulent charge and I called In and it was again not a charge I made and I noticed you of that. I went through a process with someone in the fraud department and I think he handled it but this has been ongoing and now the account I understand is closed and I'm being reissued another card and new account number but his should have been done long ago. I haven't yet receive the new card or information but I do want to be sure you have cleared he balance to XXXX on this account that is now closed. 

I have just had both grandparents pass within weeks of each other so to have this occurring right now is so unbearably hard. I have tried handling this and now I'm at my wits end. We have stayed loyal to you Bank of America but you have done us wrong so many times it's making it very difficult. 

My husband was XXXX with you for years and was let go when you all had a major lay off here in our location and he didn't ever get his personal items mails to him as we were told and we let that go but that I thought was also poorly handled. He was laid off one day and a group of people and they were told they couldn't go back to their desks or anything and everything would be mailed to him and never was. He has things that never were replaced or sent and I think we should have followed up with your team on this. He followed up with HR and the number he was told to call an no one ever replied back. This has been over two years now so I'm sure there is no way to retrieve the items. 

I would like to know my credit card has been closed and the balance is XXXX and a new card has been mailed to me. I have not received the new card as of yet. 

Please confirm this has been completed. 

Sincerely, XXXX XXXX XXXX Sent from my XXXX Sent from my 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 2023-01-11
Company: EQUIFAX, 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:
On XX/XX/XXXX I filed a dispute in the EQUIFAX website about my credit report. In their report they were duplicating my student loan balances that have been transferred from XXXX XXXX XXXX XXXX XXXX ( on XX/XX/XXXX ) and subsequently were transferred from XXXX XXXX to XXXX ( on XX/XX/XXXX ) by the Department of Education when my application to the XXXX XXXX XXXX XXXX was approved. 

EQUIFAX contacted me with the results on XX/XX/XXXX stating that the status of open and the corresponding balances with XXXX XXXX were correct after they carried out their investigation. After filing a complaint with CPFB, EQUIFAX corrected the incorrect student loan accounts with XXXX, and finally reporting them as closed, transferred and with {$0.00} balance. However, EQUIFAX repeated the same mistake and now is reporting my student loan accounts as open and with balances with both XXXX  XXXX. 

That is incorrect. As I explained from the beginning, the Department of Education again transferred and paid off my student loans from XXXX  XXXX to XXXX on XX/XX/XXXX. Thus, the credit report should reflect just the XXXX student loan accounts with XXXX, which correctly are reported as open and with balances. However, all student loans with XXXX  XXXX should be reported as closed, transferred/paid off and with {$0.00} balance as demonstrated by the letter from XXXX  I enclosed in my complaint with Equifax and that I am enclosing for this complaint with CPFB too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Background report stated that a former name of mine was previously XXXX XXXX. My mothers name is XXXX XXXX and I have no association with that name whatsoever and I want it removed from my 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 2023-01-11
Company: EQUIFAX, INC.
State: FL
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:
In XXXX, I applied for a total permanent XXXX discharge and was approved I've been noticing that XXXX was reporting over late payments over 190 days in accurate information I called XXXX and advised me that it was sent into default in XX/XX/XXXX was advised to call XXXX XXXX XXXX  and was advised that my discharge status is in good standing and provided me a letter from XXXX XXXX XXXX. The XXXX XXXX XXXXXXXX said that it's the credit be reporting inaccurate information they have been doing this for years, and I'm XXXX I have a total permanent XXXX discharge and shouldn't be on my credit as inaccurate. I also can provide letter from XXXX XXXX XXXX stating of the incorrect information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In XXXX, I applied for a XXXX XXXX XXXXXXXX discharge and was approved I've been noticing that XXXX was reporting over late payments over 190 days in accurate information I called XXXX and advised me that it was sent into default in XX/XX/XXXX was advised to call dept of education and was advised that my discharge status is in good standing and provided me a letter from dept of EDU. The dept of EDU said that it's the credit be reporting inaccurate information they have been doing this for years, and I'm XXXX I have a XXXX XXXX XXXXXXXX discharge and shouldn't be on my credit as inaccurate. I also can provide letter from Dept of EDU stating of the incorrect information being reported.

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