BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-04
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have started using my business PayPal account for the ecommerce site https : XXXX recently. On XX/XX/XXXX order # XXXX came through and it used PayPal express checkout. A minute later I received an email from PayPal saying " We need some information regarding your PayPal account. ". Apparently something triggered PayPal automation. On XX/XX/XXXX the order was shipped out. The order was a purchase for a coffee grinder. On the same day I sent my driver license and the company business information via PayPal per their request. On XX/XX/XXXX I received email from PayPal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) ''. On the same day I called PayPal customer service and tried to file appeal and get an explanation. I was told the decision was final and there was no way to dispute it. I wasn't even given a reason other than saying " they found potential risk associated with the account ''. My account balance {$450.00} is now frozen for 180 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Shot in the dark but more likely there's more than one person ( me ) behaving in the economy. Actor 1 can not overutilize financial resources causing Actor 2 's scarcity ( specially because Actor 2 is the one paying for Actor 1 's XXXX  behaviors ). Incorrect mathematics : Paycheck = XXXX, Spending = XXXX therefore I have XXXX. I spent imaginary number XXXX low and behold I actually have a massive lien around my entire XXXX. How come? Perhaps because the banks not gon na give you a free house. Fraud -- > Fraud -- > Fraud. 

First instance of fraud were the fraudulent documents used to procure these XXXX mortgage loans. Real problem happened when you opened your XXXX  mouth drawing all sorts of attention about this fact. Here 's how silly you are : Government could have made the bank do exactly what your XXXX XXXX is talking about. Why didn't it. My mouth said : " In this present crisis .... '' You told government to substitute your mortgage for shopping you fool. Instead you should have told government to save your mortgage controlling shopping. XXXX is right. " Representative ''. Plumber, Engineer, Pilot, Accountant.

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 2021-03-31
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid my regular required loan on XX/XX/XXXX On the XX/XX/XXXX I made an additional payment to be applied to the PRINCIPAL ONLY. 
I just received my XXXX statement where the company ( One Main Financial ) took {$57.00} out of the {$110.00} for themselves as interest. 
Only {$58.00} of my {$110.00} was applied to the principal which I had made the payment to only the principal. 
On my first and regular payment made on XX/XX/2021 again Only XXXX went towards principal and {$100.00} went to OneMain for Interest. 
I need assistance in clarifying if I send in my payment to be applied to the Principal balance after I had already made my regular monthly payments, can OneMain do what they did with my principal payment? 

My second complaint against this company is : They never advised me that they were going to use my car as Collateral. It was not until I was called in to sign the papers they told me they need to inspect my car and need insurance papers on my vehicle. 
At closing all additional stuffs are added to documents to be signed on a computer the day of closing. 
No hard copy of all charges is given to be read before closing date and time is scheduled for me to sign. 
I think this company needs to be more transparent in their lending practices and requirements, due to the fact that their targeted consumer market is lower income families. 
I have purchased over three homes in my lifetime, and have never confronted any accounting methods such as OneMain Financial accounting practices. 
The loan is hardly been reduced. 

Thank you for yoyr attention to the this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I own a house and have a FHA loan from Umpqua bank but I am not currently behind with the loan yet but as the paande If continues and situation at my work is been getting tight. I wanted to seek help to refinance my current loan. My Kia always lender bank is not listening to my issues and saying theres no help from federal to help us. 

XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account over 30 times provided documentation- theft report, police reports. Also requested a signed contract with a wry signature Only as validation. I keep being sent print out of bills which is Bot the requested validation as stated by the FDCPA - I also have my receipt from my certified letter accepted with my theft report & letter XX/XX/2020. And this information still hasnt been removed from my credit. This is a fraudulent account & I have no knowledge of any contract with Portfolio Recovery or its client.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Fraudulently placed a collection on my credit reports from XXXX for {$98.00} that does not belong to me and XXXX Fraudulently billed for Medical service never Authorized ref file number XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Early in XXXX I was ready to make my XXXX payment. When I went to do so my payment had increased in excess of XXXX XXXX a year. After numerous calls over several weeks and and a runaround I was finely able to find out it was an escrow increase? I paid the additional escrow in addition a few XXXX extra to accommodate the additional few XXXX that was still added. I have yet to receive any explanation for the additional money my mortgage has been altered without notification or description. Furthermore my loan document its state a specific amount for monthly payments. I also downloaded a program where it appears from XXXX the payment to escrow that have not been made by the company ) the emailed description the are doing nothing other then creating extra interest. Perhaps I am wrong with this but after a month and a half plus and hours with the company with nothing mailed even after requesting on every phone call after every runaround answer documents be mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 7 calls in the last month from different numbers that belong to Midland credit. I have never been in debt. There is no reason for them to have my information or for them to call me. Every time I block their number they call from a different one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: FlexShopper, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never heard of this flexshopper. I have never ordered from them. My mother did when she was in XXXX  XXXX XXXX. But not me havent been in XXXX  XXXX yrs. So I want this removed from my credit report bc I keep telling them I have never go the product. I have never ordered from them before. I have already put in last year identity theft bc I seen  several of charges from XXXX that wasnt mines and this is the only one who wont come off and I refused to have something under my name and never received anything and especially if Im not in the state

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX keeps transferring my debt to different accounts, to have the most negative impact on my credit scores in retaliation for the debt. The also keep making minor changes to my debt to make it appear the account is still active, when it in fact, is not. These are abusive behaviors towards my credit report. 

They also keep reporting the debt as a installment loan, with late payments, even though the account has been closed and send to a 3rd party collection agency. 

The collection company that holds the debt is : XXXX XXXX XXXX XXXX XXXX XXXX no longer owns the debt and should not be reporting the debt.

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 2018-03-27
Company: The Outsource Group, Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In early XXXX, I ran into financial trouble. I received a 120-day forbearance period from my car loan company, Ally Auto Finance. In late XXXX, I became current on my loan again. The last four monthly payments, for XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX, for $ XXXX monthly were paid promptly. These entire amounts were applied to interest charges by the company. There was no principlal reduction from these payments. I called the company today to get an explanation why, and they could not give me one. The payoff on my loan as of today is {$12000.00}, per the company. The per diem interest rate is {$4.00}, per the company. Therefore my monthly interest charges should be 31 ( number of days in the month ) times {$4.00} ( the per diem interest rate ), or {$130.00}. Ally is charging me {$280.00}. No one could give me a satisfactrory explanation why I'm being charged {$280.00} instead of the correcxt amount of {$130.00}. They are stealing from me. {$140.00} of my $ XXXX monthly payment should be going towards principal reduction, not towards interest. Please help me get my payments applied properly. 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 2016-07-31
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Rewards

Complaint:
Recently I closed a citi bank credit card. It was opened for me when XXXX changed from XXXX to Citi Bank. Upon closing the card the Citi representative told me I would forfeit my reward dollars. This does not seem right. My rewards $ 's was small, but I 'm sure some people lost large dollars and in the aggregate it represents a windfall profit for Citi Bank.

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 2021-09-04
Company: Payward Ventures Inc. dba Kraken
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened a Kracken crypto account the end of XXXX XXXX and made buys for two weeks. I tried to make a buy in XXXX and they froze my account. II have been trying to close my account since then with dozens of Emails with their support team I could still not access my account. They kept saying security reasons. Now I received an Email from Kracken saying my problem was solved and my account was closed. I did NOT close my account and my {$2000.00}. did not go back to my bank. They seem to have stolen my money. Fraud or incompetence, one or the other. I even bought a cold wallet and they still denied access to my assets. This is not a good company..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
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:
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 Federal reporting regulations and the MANDATED COMPLIANT Metro 2 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 ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) 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 its 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 which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

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 2021-09-04
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:
I had an account with XXXX XXXX XXXX that's reflecting a 30 day late payment status on a account I have never been late. It also reflects the 30 day late payment status despite the account has been paid and closed for quite some time. The historical payment history does not reflect what month and year this alleged late payment took place so it makes it challenging to be more specific but I do know I was set up on auto payment for the account during the duration of the account. I wrote the credit bureau back on XX/XX/2021 and as of today I have not received any mail or electronic mail in regards to my dispute as a result I am writing a complaint with your company. To support my claim if you go on the XXXX XXXX XXXX website this company only has unanswered claims and does not have their contact information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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 Federal reporting regulations and the MANDATED COMPLIANT Metro 2 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 ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) 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 its 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 which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

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 2018-03-27
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
While applying for auto loan with credit union, we were informed of lower credit score than expected through Experian. With our request the credit union explored the Experian report and found error in report as Mortgage we paid on time entire 4 years since starting date only showed 1 month payment history on Experian report. 

We called Mortgage company and they confirmed at least 29 months of on time payment is what they have been reporting to Experian. 

Mortgage company asked to have Experian call them to confirm so issue could be fixed that day. 

Called Experian and was told our dispute required 30 days per federal law, after many requests for Experian to call mortgage company that day. 

Experian shows the loan originating 4 years ago and still open/current, but still only shows 1 month payment history. 

1 week later Experian sends an e mail stating the dispute is still in process, but no actions or even any update. 

All appears to be in attempt to have consumers contact Experian or log in to their services where the solicitations are impossible to avoid!

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 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car from a dealership and financed it through Capital One Auto Finance Account number XXXX. The Dealership never sent the title to Capital One and then the Dealer Ship went out of business. I continued to make payments to Capital one ( ON TIME ) for 6 months. I finally discussed turning the car back to capital one since I was unable to get plates or a title on it with the dealership being gone. 

Capital One is showing this as a repossession on my credit file with a balance owing that is just less than the original amount of the loan. 

1 ) I can not be held liable for a vehicle that I was unable to drive from day one until 6 months later when I turned it in. If anything, Capital One owes me just over {$3000.00} for a vehicle that I paid for and ONCE AGAIN ... could never drive for even one day. 

2 ) I certainly should not have a repossession and owe a balance of {$23000.00} for NO VALUE RECEIVED.

Company response to consumer: Closed with explanation