BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
PayPal was not able to reach me to resolve a claim issue - but can call directly when they reverse the claim. 

Short version of the long story : Ordered a phone in XXXX it didnt work, returned to distributor. Never got my $ back, so filed a claim with the co, then PayPal who reversed the charges during investigation.

Yesterday I got a call from PayPay for payment collection on the claim they reversed. Had not heard from them since the claim was filed - apparently because i had an old email address as primary on my nearly 20 year old account info. ( Mind you, my phone # & additional email address also on their contact info file were not used to reach me to resolve the claim ). 

Supervisor XXXX # XXXX - informed me that its completely legal according to their user agreement that they have the right to behave in this way ... .. not using customer contact information to assist a customer in need, but able to reach me when they can capitalize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Tuesday, XX/XX/2021 at XXXX XXXX I added my husband to my credit card as an authorized user. Monday, XX/XX/2021 we received my husbands credit card in the mail. When I attempted to set up the credit card I noticed he was no longer on the mobile account as an authorized user. I did not make this change. Upon learning this, I called Capital One and asked them if they could help me fix this issue. They explained to me that they couldnt but when I go to attempt to add him back as an authorized user or account manager the mobile app and computer states hes already on the account as a authorized user. I dont feel as though Capital One is being forthcoming with their resolution process and when I asked why my husband cant be added back I was told by a supervisor that he didnt know and it was proprietary information so in essence my husband is unable to use a feature on my credit card which I would like to grant him access to that benefits both him and I. I also did not find any policy or procedure that states any resolution or that he cant be added after mysteriously being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Santander Consumer USA Holdings Inc.
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:
I've noticed on my credit report that there's some accounts on my credit profile that aren't mine and I have never given any consent for my credit to be used or I have never co-signed for anyone or anything. Below are the accounts that were opened fraudulently.

FRAUD ACCOUNTS 1 ) XXXX XXXX XXXX -AMOUNT {$380.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 2 ) SANTANDER -AMOUNT {$0.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 3 ) XXXX XXXX -AMOUNT {$240.00} -DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX sold a loan that had been paid off for years to Firstmark services. They threatened to report my account to the credit bureaus if I didn't pay and will not send me any documentation pertaining to the loan. Under this threat I had to pay off the loan immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Under the laws of the State of South Carolina SECTION 37-5-103 : Restrictions on deficiency judgments in consumer credit sales. 1- A consumer is not liable for a deficiency unless the creditor has disposed of the goods in good faith and in a commercially reasonable manner. 

Unfortunately in this scenario, I did not receive any of the deficiency letters, or dates of when and where the car would be sold. The biggest part is that my XXXX XXXX XXXX XXXX  ( at the time XXXX value of XXXX ) was sold for only {$500.00} which clearly couldn't of been sold in good faith nor a commercially reasonable manner. 

I question that good faith of the sale and amount being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I requested a complete and fully executed set of documents pertaining to our loans because I discovered that we were not given copies of all documents. I learned this when Mr. XXXX read from a screen information that was never disclosed to us. Flagstar emailed partial documents that are not fully executed. I requested a fully execute set again and Flagstar has refused to provide me with a fully executed set. Instead, it claims it sent a set of the documents to me already. In reards to the incomplete docs that Flagstar emailed, there are missing signatures and amounts as well as the Broker Commission disclosures. Further, all Disclosures that were prepared by Flagstar bank for us to sign were not included. I have requested a complete and fully execute set of any and all documents that pertain to our loans more than three times and as of today, XX/XX/19, Flagstar has not provided a satisfactory set of copies.

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 2019-03-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was damaged in a storm on XX/XX/XXXX. I could not live in it. Insurance did not pay until XX/XX/XXXX. I hired a contractor but he did not do a good job so he was fired before completion leaving almost {$15000.00} on the insurance payout. I asked mortgage company to send check to another contractor. They sent it in the name of the first contractor. During that time it went into foreclosure so I couldnt get the insurance. It sold on XX/XX/XXXX. When it sold I owed XXXX but it sold for XXXX. For some reason it was reduced after foreclosure and was told I owed XXXX and it sold for XXXX. I wouldnt sign the hold harmless because of the insurance. In XXXX it was transferred to RUSHMORE LOAN MANAGEMENT and they started trying to collect from me. I called and asked about the collection explained the foreclosure and asked about the insurance funds which were being held in restricted escrow. For two months no one could explain. Then I was told I would not get it it would be sent back to the insurance company. I received another request that I pay and called again. This time I was told I owed nothing and but they were putting a claim against the insurance funds and would not give me any information such as how much or why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Garcadia Financial LLC
State: GA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Several years ago I opened an account with Wells Fargo because it gave me access to my paycheck 2 days earlier. 
During that time my ex who was cheating on me was also using my card for everything under the sun except for any purchases that required a PIN number. I brought this up with the bank as soon as I learned of the fraud years after my account had been closed out. I let them know within the 60 days like required by law, and they've quoted me a time frame which they've already gone over. But they figure since they've given me some of my money back in provisional credit that I should be okay with it. I'm tired of getting condescending people on the phone when all I'm trying to do is properly recover the money that was used without my consent. Out of the XXXX and change they've given me {$4000.00} and change. I want the rest of my money right now!

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 2021-05-05
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: Was not notified of investigation status or results

Complaint:
I initiated a dispute regarding incorrect information which was listed on my credit report. It has been well over 30 days and I have not received any response from the Credit Reporting Agencies.

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 2022-02-01
Company: Convergent Resources, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter in regards to an alleged debt from 1996. Original debt supposedly came from The Credit Store, possibly also known as XXXX. I never had any business dealings with this company.

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 2018-04-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX card by Chase Bank.Signed up for this card as advised by travel bloggers for its 'free night at any XXXX hotel ' award. This free night certificate is issued on the 1 year anniversary of having the card ( for me this would be XX/XX/2018 ). I had planned to use my certificate in XXXX at a hotel requires XXXX miles ( but many hotels require at least XXXX - in fact in almost all major cities in US ). Suddenly, about a week ago ( XX/XX/2018 ) XXXX decided to change this benefit 'midstream '. Capping the award at a XXXX point hotel. 

While I understand they are able to change terms and conditions, it should AFTER the benefits promised at the time of application are received. I have written emails and reached out on social media and have only been given the run around on this ( literally for hours ). Not only is this 'bait and switch ' but reportedly they ARE still going to give some consumers the uncapped free night award ( discrimination ). In addition, having this card prevented me from getting the XXXX card through which I would have had several nights of free hotels. 

I am all for responsible capitalism - but this is unfair and non-transparent behavior, from several corporations who apparently feel too big to fail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I did not get the promotional offer when I signed up for my credit card with Shell gasoline. The promotion was 6 fill ups at a XXXX per cent per gallon discount. Plus, I'm supposed to save XXXX cents per gallon every fill 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 monetary relief
Consumer complaint received 2019-03-22
Company: U.S. BANCORP
State: FL
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:
My husband died. He owned the account and I am an authorized user. I am owed a credit of XXXX from a credit on the account and am also owed XXXX in rewards money. I have sent a copy of the death certificate which they acknowledged receiving and now say they don't have. I also sent a copy of the will with a request for payment which they said I would receive this billing period. All I got was a statement showing tge credit I'm due. When I called this time they said they don't have the death certificate and didn't know the person I spoke to previsouky. All I want is what I am owed and I getting the run around. Thank you! 
I spoke with the company in XX/XX/XXXX and XX/XX/XXXX. It's a XXXX master card that has been paid in full every month since we've had it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: NY
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:
Equifax had a data breach that compromised my information, but did not notify me or provide any adequate solutions. I found out through media reporting, and it is unfair that they have compromised such sensitive information with no compromise other than to create another account with them with no reassurance whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
WEB SITE BROKEN. PLEASE DO NOT SEND ANOTHER PAPER REPORT. I WANT A DIGITAL 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 2021-08-18
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file. I've disputed these accounts in the past but the credit bureaus have ignored my requests.

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 2019-03-22
Company: Utah System of Higher Education
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My wages are being garnished by UHEAA already and therefore, I have little money to actually live on. They have begun calling my work and I am not allowed personal calls at work. I have told them that twice now and the gentleman I spoke with today, XXXX, said they would continue calling my work because I am not on an approved payment plan. I told them they can email me, write me letters and call my personal phone all of which they have and he said they will continue to call my work. 

I can not currently try to get on a payment plan because they are taking so much money I wouldn't be able to support myself and my son having to pay both for six months. If I get fired from my job, I will be unable to work and pay them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: CITY NATIONAL BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an issue about a 'returned payment charge ' of {$20.00} with XXXX Visa XXXX card issued by City National Bank . 

On XX/XX/2019, I received a mail from City National Bank that they will transfer their website from the old one ( creditcare.cnb.com ) to the new one ( cno.cnb.com ). Then I followed their instruction to setup my account on their new website. Please note that the old website does not allow me to setup autopay, so I had to schedule the payment every month. Also, I noticed that the account on new website does have autopay setup, so I setup autopay immediately to avoid late payment. However, I didn't remember if I scheduled the payment for XXXX XXXX statement or not, and it didn't show up on the new account. And I assume the system should handle that with no problem. 

But I am wrong. The system tried to make duplicate payment for the statement of XX/XX/2019, with the amount {$920.00}, on both XX/XX/XXXX and XX/XX/XXXX. However, I didn't have enough money in my checking account ( of course because I didn't know they will make repeated payment ) and charged me a {$20.00} 'returned payment charge '. 

On around XX/XX/XXXX, I called the customer service and want to get the fee refunded because it is not my fault. They said they will contact the one whom I applied the credit card with. However, it has been one month and I haven't received the refund yet. I don't want to call them again and spend a lot of time to explain the whole thing. So I'd like to ask for help from CFPB. Thanks for your kind help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: College Foundation, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have an FFEL Master Promissory Notes ( student loan ) with College Foundation of North Carolina. I am trying to determine if they can validate that I approved of, or provided authorization of loan dispersements in XXXX, XXXX, and XXXX. Thus far they have communicated that disclosures were sent to me at the address I had on file at that time. 

I am only trying to determine if CFI can validate that I signed any of the following : 1. Electronic Funds Authorization, 2. Master Check Authorization, 3. Loan Check, in connection with my Master Promissory note. 

I need to know if I signed any of the documents listed, or if they can validate that I have done so by providing a copy of said documents with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: BERKSHIRE HILLS BANCORP, INC
State: MA
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 went on training on XX/XX/2018 and returned home in XXXX told the loan company i was in training and cant log on to bay my loan until i get home, my credit score went from a XXXX to a XXXX and they refuse to remove the marks from my account i have email trails

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 2021-02-21
Company: Consumer Portfolio Services, Inc.
State: VA
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:
My spouse and I were financed with CNS Portfolio Service, the account was opened in XX/XX/XXXX and the car was totaled in XXXX, I have had numerous conversations with Representatives of CNS in regards to this account was never have been reported to the credit bureaus. The car was totaled in an automobile accident in which we didn't have gap insurance. I was advised by unscrupulous representatives who told me my account would not go to collections when it did I settled the account out and was advised 7 years ago account will be deleted, still, this day account is still be reported, the last dispute I submitted to XX/XX/XXXXin XX/XX/XXXX, still states under investigation. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX continues to report to XXXX and transunion incorrect info.they are reporting that I opened an acct with them XXXX of XXXXi did not have an acct with them.i had an acct with XXXX XXXX. I requested proof of application with XXXX  for XXXX they ignore my request and refuse to stop reporting fraudulent information

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