BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Hello, I recently decided to sell an item over ebay on PayPal and I also added funds to my PayPal account. Once I sold the item which was only a collectors edition video game my account was permanently limited because they apparently claimed they feel Im tied to another account.

After being told it would be fixed, I was told it wouldnt because Im considered a risk due to apparently sharing some sort of information with other acts that have negative balances which they couldnt go into detail about. They are planning on holding my {$510.00} hostage for 6 months saying I have a potential for possibly being disputed from my transaction. 

I dont u derstabd this practice of singling out people and claiming that they dont think theyre a bad individual but then in the same breath claiming that PayPal feels theyre a risk for simply selling an item that I bought at XXXX and decided to sell on XXXX. PayPal should be ashamed of themselves for doing this. I really would like my money now not 6 months down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Dear sir/madam : I would like to report coinbase for an unauthorized transfer if my miney to a non existing wallet ( XXXX  ). 
I bought XXXX worth of LITECOIN  ( LTC  ), a type of cryptocurrency, onXX/XX/2021 @ XXXX XXXX according to the transaction records.ive been trying to withdraw the miney to use for emergency, but to my surprise there is no way to withdraw it because it is in a wallet that only coinbase knows the answer why it is there.please help me as this is a serious problem for investors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent letters in XX/XX/XXXX-XX/XX/XXXXasking all credit bureaus to update my name and address and they have yet to do so.

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 2020-08-28
Company: Westcreek Financial
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a mattress set on XX/XX/XXXX and they have me down for payment all they way up to XX/XX/XXXX, now that is too long to be paying on a mattress. It's not the entire bedroom set just a mattress and boxspring. 

The payments every month is {$150.00}. 

I made a payment on XX/XX/XXXX in the amount of XXXX and the payoff yesterday said {$47.00} which I was going to make today XX/XX/XXXX. I checked the system today XX/XX/XXXX to make the payoff payment and now the amount has changed, it's now {$100.00}. 

I need to know what happened within the past 12 hours to make it charge an additional {$55.00} dollars. 

The item was originally {$850.00} I'm paying for this item three times the cost. I've already paid a total of {$1700.00} as of XX/XX/XXXX. 

I need someone to help, this just too much money. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began refinance with Flagstar Bank in XX/XX/2021. The loan officer, XXXX XXXX pressured me to start the application process assuring me that it would be completed by the end of XXXX since my current mortage is already with them. It was assigned to XXXX XXXX for processing. Both " ghosted '' me for several weeks until finally I reached out at the end of XXXX when I noticed that the rate lock in was due to expire on XXXX XXXX. XXXX claimed that they did not receive my banking statements which I thought I had uploaded very early in the process in XXXX. They never notified me that it was missing. In a conversation with XXXX he contradicted himself saying both he " had to submit it to underwriting '' and that it " was submitted to underwriting. I suspect he dropped the ball. I suspect that I am being scamed because they have been dragging their feet so that I will have to pay an additional month at the higher rate mortgage - XXXX. is now due! Despite telling both loan officer and processor several times that I do not want homeowners included in escrow, the paperwork indicates that it is still included. Today XXXX called claiming he needed my bank statements and said they have " expired '' then he said he never received them. How could they expire if he never received them? On XX/XX/XXXX I had uploaded to portal, he claimed he could not see them and said that I had to call their tech department to find out why HE could not see the documents and instead he wanted me to send personal banking documents directly to him in a personal, not secure, email. That is not the customer 's job it is his. It has taken as long as 6 days - or sometimes never - to get responses to my emails and I only get responses when I call supervisors. This company is a fraud.

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 2017-12-12
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Additional details and documentation attached ... 

Approximately 10 months in on a 30 year FIXED rate mortgage. The loan servicer " Ocwen Loan Servicing, LLC ''. Has informed us that they are changing / increasing the amount of our Principle & Interest payment??? 

Although a minor increase. We were informed from the start that a 30 year fixed rate mortgage is exactly that - Fixed!!! This is NOT an escrow issue ... They are increasing our interest payment. 

We feel this may be the tip of the ice burg! Ocwen services millions of loans and may have been doing this for years to millions of other borrowers! 

XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per XXXX reporting regulations and the XXXX XXXX XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim XXXX XXXX ). Per law, any deficient of substantial and evident matters of fact XXXX XXXX ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of hich is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- XXXX XXXX XXXX Not Proven Compliant Account -- > XXX

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 2017-12-04
Company: Big Picture Loans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Appears to not be a licensed lender for the State of Nevada but doing USPS mailings and performing high interest loans. Tried to have me use a credit/debit card for payments using a payment processor outside the USA for  a higher fee. Refused to stop an ACH withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I HAVE NEVER BEEN 30 DAYS LATE, ON A PAYMENT, AS INDIGO ( CREDIT CARD ) IS REPORTING. I HAVE REVIEWED MY PAST PAYMENTS, AND NONE WERE 30 DAYS LATE. FOR INSTANCE, INDIGO IS STATING THAT MY XX/XX/XXXX PAYMENT WAS 30 DAYS LATE ; I MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$60.00}. I ALSO MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$110.00}. MY XXXX PAYMENT WAS DUE ON XX/XX/XXXX. THE XX/XX/XXXX PAYMENT PAID THE PAYMENT DUE ON XX/XX/XXXX. 

THERE IS, ALSO, A LATE PAYMENT, FROM LAST YEAR ( XXXX ), INDIGO IS STATING ; THE PAYMENT WAS NEVER 30 DAYS LATE. WHEN REVIEWING THE PAYMENTS, WHICH I MADE, NONE WOULD HAVE RESULTED IN A 30 DAYS LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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 status incorrect

Complaint:
This is not my account and I am not an authorized user on this, please remove this from all 3 of my credit bureaus. 

XXXX XXXX last reported XX/XX/XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Date of Payment XX/XX/XXXX 2019

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 2021-03-25
Company: Commonwealth Financial Systems, Inc.
State: TN
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIBANK, N.A.
State: VA
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 over paid my Macy 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with XXXX, XXXX and XXXX. I also contacted Macy/s regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for 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 non-monetary relief
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, XXXX XXXX  : XXXX # XXXX ; Experian # XXXX ; XXXX  # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.

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 2020-05-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Letters were sent to both Experian and XXXX  to dispute items on my credit report. Letter 1 also included a letter to XXXX  after which the items in question were removed. The dates of letters were as follows : Letter 1 : XX/XX/XXXX Letter 2 : XX/XX/XXXX Letter 3 : XX/XX/XXXX Letter 4 : XX/XX/XXXX Letter 5 : XX/XX/XXXX Experian has yet to respond to any of my requests, including Letter 5 which I sent certified mail and received a signed return receipt on XX/XX/XXXX. I have seen some items removed indicating some sort of response, but never any investigation results or copies of my credit reports sent to me directly. The items that remain have yet to be properly verified. This is clearly a violation of my rights according to the FCRA and I am demanding these items be removed immediately. 

XXXX XXXX only response was that I supplied insufficient ID. I then supplied my ID, social security card, and proof of address that are all accurate and up to date. I have yet to receive notice that an investigation was started or see any results of an investigation. This is also a clear violation of my rights per the FCRA and I am demanding these items be removed immediately as well. 

XXXX  removed all the items after letter 1 due to not being able to verify their accuracy. I find it hard to believe that the same data furnisher could not verify the items with one credit bureau but could with the other two.

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 2021-05-10
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:
Hello, I have disputed some errors on my credit report regarding two XXXX XXXX accounts. These XXXX accounts were paid in full years ago but are now reporting recent late payments in XXXX, XXXX & XXXX. This is a complete error and needs to be deleted immediately. Experian and XXXX are the two bureaus that are reporting this error.

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 2019-08-29
Company: JAMS-01, Inc
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have requested a loan estimate from a broker named XXXX XXXX at HST mortgage XXXX VA that has taken all my information and yet she denies me a loan estimate and stated initially that the address of the home was not given to her. Once I showed her proof that indeed she was aware of the address she stated that a contract needs to be in place prior to giving an estimate. I requested the loan estimate on multiple occasions and she states she will no longer respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX  responded with a document showing that they NEVER received payment from me sinceXX/XX/XXXX ( please see attached document showing them saying I never paid ).

I have made payments to XXXX in XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX ( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed in XX/XX/XXXX, when the account was closed inXX/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 2020-12-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020 trying to buy a home, lender gets back applicant file Frozen at xpn due to State legislation. Experian can not see anything in there system saying that my account is frozen and Lender should be able to look into my account. I've tried 3 different lenders that get back the same information. When I log onto my Experian account and try to apply for a credit card they said just it says that there is a freeze on my account and I need to lift it. I have been on the phone with them numerous of times since XXXX to XXXX and they keep telling me my account is not froze.

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 2021-09-09
Company: DriveTime
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is a final written notice to XXXX XXXX who acts as ceo of Drivetime I am invoking my right of rescission because of deceptive cosigner practices 16 CFR 444.3 and lies about the finance charge told to me by at the dealership in person. Today XX/XX/2021 somebody came by my house by the name of XXXX trying to steal my car for your company but he does not work for your company he works for XXXX XXXX XXXX. I was not home but my aunt was, he told her he works for XXXX XXXX XXXX and when he comes back if he does not see the car the police will come and arrest me. He nor you are licensed to collect debt from the division of banks. An XXXX XXXX who acts as ceo of Drivetime has not responded to any affidavits. 
This is a written demand to cease and desist immediately. This was a threat to me and my aunt. These actions have caused her XXXX  and XXXX. These actions have caused me XXXX  and XXXX. Do not threaten me, my aunt, my property or proceeds from this day forward or a criminal and civil complaint may be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XX/XX/XXXX responded with a document showing that they NEVER received payment from me since XX/XX/XXXX( please see attached document showing them saying I never paid ).

I have made payments to XXXX  in XX/XX/XXXX and XX/XX/XXXX( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed inXX/XX/XXXX when the account was closed in 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 2018-04-13
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX  responded with a document showing that they NEVER received payment from me since XX/XX/XXXX ( please see attached document showing them saying I never paid ).

I have made payments to XXXX in XX/XX/XXXX and XX/XX/XXXX( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed inXX/XX/XXXX when the account was closed inXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA loan originated with USAA. Initially, no problems however approximately 2 years ago USAA begun using a Sub-Contract company to service the mortgage, " XXXX XXXX XXXX ''. Since that time my payment due date continues to shift. I pay my mortgage AT LEAST one month ahead of time. With the shifting due dates USAA and XXXX XXXX XXXXXXXX are leading me to believe that the mortgage payment will be due sooner than it should be. I have continuously contacted both companies and each blame the other for the issue. 

This is textbook deceptive business practice. It is purposely going on in order to confuse the consumer and lead them to believe that their mortgage may be late in order to garnish money well before it is due. I have been trying to fix this issue MONTHLY directly with both companies for over two years to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation