BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sometime in XX/XX/2014 there was 2 accounts that was opened in my name. Did not know about this debt until recently. I called the debt collector and explain the situation and asked them to provide where I signed my name and copys of my drivers license proving the account was mine. I have also had someone stole my personal information in XX/XX/2014 at tax time. The company only sends me copys of the bill but nothing with the original contract when the accounts was opened. I want these two accounts removed off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX Credit card payment was due on XX/XX/XXXX. I submitted the payment via bank ACH transfer on the XX/XX/XXXX. The process date was set for XX/XX/XXXX. Email was sent from XXXX XXXX that payment request has received on XX/XX/XXXX at XXXX " This is a confirmation of your one-time payment authorization made by way of an internet connection '' on XX/XX/XXXX at XXXX, they sent another email Thank you for your payment This is confirmation that your payment toward your XXXX XXXX  credit card has been processed. Thank you for your timely payment. 

our payment details* PAYMENT AMOUNT $ XXXX DATE PROCESSED XX/XX/XXXX *Accurate as of XX/XX/XXXX. 

Apparently, the bank didn't process the payment due to the error in the account number submitted. But I had no idea at all that it happened. Based on the email sent 2+ days later, my conclusion was the payment was process on the XX/XX/XXXX and everything is good. 

They charged me late fee and financial charge and they didn't notify the bank denial in time so that I can rectify the situation. They just charged the fees in the next statement and we were notified about the next statement on XX/XX/XXXX. 

After discussing with the customer service, they will not accept their liability in stating they processed the payment and won't waive the financial charge. I ended up setting up another payment on XX/XX/XXXX. 

They should not communicate that they processed the payment and thank me for making timely payment, only to turn around charge me without providing me any communication about potential late payment and letting me fix it before the due date. 

Terrible company to work with. This is not their only poor customer service we experienced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust Mortgage is not recognizing my account with them established online. Entering correct username and password produce message that they do not recognize me. Going through their forgot username/password routine produces questions re : loan number, SS # and security question/answer. Entering accurate information produces error message that they do not recognize account. Calling them produces response that customer service is only open from XXXX XXXX weekdays. Unacceptable for an online information account. If they do not recognize my loan number and account, I suppose I no longer have to recognize that I have a loan with them and can suspend all 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 2018-06-11
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi Round-point is refusing to send out a payment from Escow to cover my home owners insurance. I have called and till today they still not have sent my payment. When I asked to speak to a manager or someone that can help, they refuse and place me on a 30-45 min hold. I want to document this event in case something happens to my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to SPS PORTFOLIO SERVICING IN XX/XX/XXXX : I noticed A problem when I begin to calculate the principal that I have paid so far on my loan and I realized that SPS PORTFOLIO SERVICING had not been applying my principal appropriately. This lead me to pull my statements from XX/XX/XXXX to current and I found other issues that I have listed below. 

ISSUE # 1 : My mortgage loan originated through XXXX XXXX XXXX XXXX in XXXX, was transfered to XXXX XXXX XXXX XXXX XXXX in XXXX and has ALWAYS been : " A SIMPLE DAILY INTEREST LOAN '' On XX/XX/XXXX as I was calculating my principal payments, I realized there was an issue and I called SPS PORTFOLIO SERVICING on XXXX XXXX : I explained the type of loan I have and the Customer Service Rep stated that " We have copies of your original note that reads your loan is a CONVENTIONAL LOAN without PMI. It accrues yearly. '' I asked in an email to the email address provide by SPS, for a copy of " the note '' that states my loan originated as a conventional loan ''. I never got those documents. 

I faxed over all my documents from XXXX XXXX statements to actual history print outs from XXXX XXXX over the years of the loan. On the statements, it says in plain english- " your loan is a daily simple interest loan ''. On EVERY SINGLE STATEMENT ISSUE # 2 : My escrow balance has been depleted for reasons nobody at SPS PORTFOLIO SERVICING can figure out. I have forced placed HAZARD AND FLOOD INSURANCE ( only because it's cheaper ) and my balance in escrow was {$1200.00} as of XX/XX/XXXX which is for hazard, flood and taxes to be paid in XX/XX/XXXX. As I am reviewing my statements, I notice that my balance as of XX/XX/XXXX is {$940.00}, with only 2 more payments of {$170.00} each til XX/XX/XXXX. This will place me in the negative for escrow. I have never been in negative. 


ISSUE # 3 : On each of the statements from XXXX XXXX, I was 2 months ahead in my payments, which doesn't matter much with daily simple interest ; however, if I ever need to go past the XXXX date-I wouldn't have to worry about a credit report negative hit. But SPS PORTFOLIO SERVICING has my due date effective XX/XX/XXXX. I have already made a payment as of XX/XX/XXXX over the phone, and the payment still has not posted. This will not work for my type of loan. Each day is crucial and costs me money. It is not my bank 's error because I paid over the phone with XXXX XXXX in the past and my payment posted the same exact day. If I didn't see it, they would correct it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I wanted to put credit freeze with all three credit companies. I was able to do it online with XXXX XXXX and XXXX, but Equifax was giving me Error code NH and advise me to call customer helpline. I called the line and was told they can not freeze my file because they don't have any credit records on me. 
I told them I don't use credit but afraid of some one else might try to use credit fraudulently under my name and that's why I wanted to freeze it. Even supervisor told me can not be done. 
My argument is if they can do the freeze for minors without any credit records under their file, why can't they freeze an adults file without any credit records. As an adult my credit is more at risk than minor who is not even legally eligible for credit. 
As I stated above, I already have freeze with other two agency, I don't understand the logic of EQUIFAX not allowing it to happen. 
This needs to be change before somebody opens up some credit under my name, because EQUIFAX refuses to put freeze on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: CITIBANK, N.A.
State: MO
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/XXXX, I received an email saying I would be awarded a free gift or taking a survey. I completed the survey, picked a watch as my free gift ( the other free gifts were facial products for women ), and was instructed I had to pay shipping charges of {$6.00}, which I did with my credit card. 
In XXXX I received my credit card invoice with a charge for the shipping and another charge for a watch. The merchant had my credit card information for the shipping charge and two weeks later charged me for the " free '' gift watch.I called the credit card company on XX/XX/XXXX to dispute the charge for the watch, and as instructed, paid the rest of the invoice, including the shipping charge. 
The credit card company says that after checking my dispute they agree with the merchant and that I owe this charge even though in a telephone conversation with their Dispute Department, they admitted this was a scam by the merchant. 
I feel credit cad companies have a responsibility to protect their cardholders from practices like these by predatory companies.

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 2018-08-02
Company: EQUIFAX, INC.
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:
I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is a follow-up to my previous multi-part complaint submitted on XX/XX/18. As I explained in that complaint, when buying some XXXX airline tickets on line, a popup invited me to apply for a XXXX XXXX XXXX card, with an offer of XXXX bonus miles and a {$200.00} airline ticket credit if the customer spends {$3000.00} within 3 months of card account opening. I complained that I did not receive these bonuses, that the advertising was unfair and deceptive, and that the company 's complaint process required me to keep calling back and strung me along for months. 

The American Express response XX/XX/18 addressed only 1 part of my complaint -- telling me that I did not receive these bonuses because I was a previous cardholder. 

The response was silent regarding the unfair and deceptive advertising to sell me this product. My complaint said that, while American Express had no intention of paying the bonus miles and airline ticket credit to customers who previously had the XXXX, they did not disclose this up front to the customer. This led me to apply for a Card for no benefit to me. I have recently received a Card offer from a competitor, XXXX, that states clearly in the advertisement the bonus eligibility requirements. Why didn't XXXX do this? It led to a lot of trouble and harm in my case. I purchased a ticket at a higher price than I thought I was paying ( due to not receiving the ticket credit of {$200.00} ), and caused another unnecessary credit inquiry. 

The response from American Express was also silent regarding my complaints about their cumbersome and unhelpful complaints process. Specifically, I said in my complaint that the company does not directly respond to customers who complain. Instead, we are told to wait 6-8 weeks and call in to find out the status of our complaint. 

I am attaching the XX/XX/18 American Express response documents for reference. 

Please kindly respond directly to these complaints. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX Paypal suspended my account and froze my fund of {$2400.00}. They alleged a violation of their terms of service however would not disclose what that was. They emailed me that day and informed me they would be holding my funds for 180 days in case of fraud and would message me about how to access my funds after that. On XX/XX/XXXX they transferred all {$2400.00} out of my account with the description of : '' Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am a Citibank customer and have been for years. I understand that they have to right to reduce your credit limit but they reduced my limit by {$9500.00} in XXXX  0f 2020, my balance was only {$2200.00}. I have had mortgages for a few hundred thousand dollars in the past and have always been in good standing with them for years, never missing a payment. This dramatic drop in my credit line of {$9500.00} left my card maxed out. They did not have the decency to even notify me they just did it. When I got an alert that my credit score went down 75 points, I researched it and found out it was because of my debt to income ratio caused by Citibank in reducing all of my available credit to what was owed. I immediately called Citibank. I have a secure job with the Federal Government for over 10 years, and COVID 19 has not impacted my ability to pay my bills and I have not lost any income. I explained to the Citibank customer service representative of a situation my family is experiencing and that I recently had to take several loans out to assist in my XXXX old grandsons treatment for XXXX XXXX for his medical bills. I explained this to Citibank and they didn't seem to care. I also disclosed that I had significant savings in my savings account of over 30K presently to cover all of these bills. I will not recommend them to anyone and once I'm done paying off this card I will no longer be a customer of theirs. They showed no empathy for my situation, I never asked to extend payments or for any assistance. I want to file this complaint to show how insensitive they are as an organization with no care to their customers needs. To reduce my line of credit to what is owed has severely impacted my credit and has caused more issues, this is not a way to treat your customers.

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 2019-03-19
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 information incorrect

Complaint:
Could not purchase vehicle due to erroneous credit file freeze by XXXX XXXX XXXX reporting XXXX via Trans Union and XXXX- XX/XX/2019. We, I, US have never had any personal contact with this service or organization and we purchased a vehicle just two weeks ago and this did NOT come up! XXXX credit report significantly lower causing major financial impact!

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 2019-03-19
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
To whom it may consern : My identity had been stolen, I have been trying to resolve this problem, account had been place on my credit file everywhere, an FTC report had been file an a police report as well, these items should be remove from my credit inmediately. 
Some of this items already been deleted but some still remains, please help me to clear my name.

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 2021-06-22
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: Investigation took more than 30 days

Complaint:
I hope you can help me with this issues I am having with the credit bureaus. Back in XXXX of this year XXXX notices on my reports there were some collections that were not mine. I have attached the disputes to this complaint. This is now XXXX and these items are still on my reports. WHY??? I can see that they have me as a mixed file with my mother so why is it taking so long so fix this problem. I am hoping you can make this look into this and remove my mother collections from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX- Wells Fargo ATM eats my Business Debit Card and a large number of checks being deposited. This is on the heels of the same occurrence ( at a different branch ) occurring a week or so previously with regards to my Personal Debit Card/Checking Account. 
Ive noticed this all happening as I was deciding to close accounts and move funds away from Wells Fargo after XXXX XXXX performance on the XXXX. 
XX/XX/XXXX- Wells Fargo reverses the Deposit amount of {$4800.00} essentially stealing my checks by order of Provisional Credit Reversal without any notification whatsoever. This is in violation of our agreement which had me request and be promised that no case would be closed or resolved until Id received proof of the recovered checks, an explanation as to why this has occurred to me now multiple times, and statements from the Branch and the ATM servicing company verifying whatever alibi WF decided to present to me, which as it turns out, was none.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used PayPal to make a transaction with someone I did not know. I sold them an XXXX for {$750.00} and used PayPal because everyone told me it would be secure and safe and PROTECTED. The other party told me to request the money from him and gave me his PayPal so I did that and the other party met me to pick up the XXXX. All was good. However later PayPal told me the party told his bank it was an unauthorized transaction and PayPal and the other party 's bank are siding with the the other party ( clearly a scammer ). This person is clearly doing this to multiple people and trying to scam us ( in my conversation he was asking if any of my friends were selling XXXX too, I didn't think anything of it at the time ) so now the other parties bank AND PayPal are protecting this scammer and leaving me responsible. PayPal has made my account negative XXXX by adding an additional inconvenience charge and stealing {$84.00} that a family member had transferred to my PayPal account. PayPal should not be leaving me held responsible for this scammer and they should not have taken back the {$84.00} sent to me from a family member. I have attached the PayPal screen shot and conversation notes with the scammer/ other party. Clearly PayPal is not a safe and secure site to make transactions and does not clearly state you need to take additional steps to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
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: Information belongs to someone else

Complaint:
I have been the victim of identity theft. I have attached a signed and notarized FTC affidavit. The following accounts were not opened by me : 1 ) XXXX  Acct # XXXX 2 ) XXXX Card Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX  XXXX XXXX Acct # XXXX The following inquiries were not made by me related to these account or other attempts to open accounts : XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXF XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
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 status incorrect

Complaint:
Experian XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Dear : Experian, I was viewing my credit report and found some errors on my credit report that you are reporting such as Unknown Payment/Account Status. Also, some accounts were transferred with no Company Sold-to information reporting on credit report. Per the Fair Credit Reporting Act of 1964, all  accounts should be accurate on my credit report. All accounts are paid in full. Please updated all of these account to " Account paid in full '', " Account closed '' or Delete account statuses. 

Account : Account Number : Account Status : Payment Status : Balance : XXXX XXXX XXXX XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXX  XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXX   XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXX XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXXXXXX XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXXXXXX XXXX CLOSED UNKNOWN {$0.00}

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