BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I was introduced to the idea of borrowing money for large purchases starting at the age of XXXX for a college tuition. Several years later, I took out a car loan, which was required to provide transportation to and from school and work. Following graduation, I opened a credit to begin planning an engagement ring purchase to propose to my current wife - the love of my life. 

In every instance mentioned above, borrowing money was necessitated by the amount of money available to me in order for me to exercise my constitutional rights to life, liberty, and pursuit of am happiness. 

While the standard American Dream of going to college, getting a job, getting married, buying a house, and having kids was deeply engrained in my life growing up, financial education was not. As a result, with only a piggy bank concept of saving, and an extremely basic idea of how interest worked, I was forced to opt in to predatory binding contracts in order to exercise my constitutional rights. 

Like many others before me, instead of helping to exercise multiple rights to life, liberty, and pursuit of happiness, the companies involved with the money I borrowed instead stripped these UNALIENABLE rights from me. Instead of focusing on the things that mattered, I was instead always focusing on money, and how I would make ends meet. 

One thing led to another, and before I knew it, there was no recovering from the debt I found myself in. I began making bad financial decisions because the good ones didnt seem to make any more of a difference to being financially free and independent. 

I am now separated from my wife, friends, and family, on the brink of homelessness, with {$15.00} in my bank account, and {$22000.00} worth of debt. I am tired, I am scared, I am lonely, and I am depressed. 

I now realize that I was never free with the education unrealistic dreams made available to me. I now realize that my tax money has never been responsibly used to address these issues in our society. I now realize that the land of the free means the land owned by the rich, and that the home of the brave means the poor people that live there. 

I would love more than anything to be proven wrong and to be given a fair chance at actually obtaining life, liberty, and happiness, but I no longer believe it will happen. The constitution is just an old piece of paper to me now ; the purpose and meaning has faded more than words ...

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 2020-09-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
synchrony bank credit card -home and paypal Threatening collection letters from XXXX XXXX claiming I need to contact them. I reached out after over 40minut3s XXXX XXXX transferred call to collection dept both saying each others issue. Can not resolve collections forbearance and civid aid to help during pandemic. No job no income all debts have to be in forbearance for now trying not to file bk and settle all legal actions and collections but keep getting run around all attempts over 4 attempts all over 45 minutes before frustration and continued transfers result in giving up. No help by creditor

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 2018-10-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 at around XXXX to about XXXX I got a text from Chase Bank asking if I had recently made a purchase for the amount of {$620.00} at XXXX. After texting no to the automatic text, I checked my bank account and saw that they did not only make one transactions but they made about 8 transactions that came out to be {$1900.00}. I still had my card with me, I did not lose it. I think someone skimmed my card, and made a duplicate card and was able to get my pin number. I immediately contacted my bank, and that they reassured me that I would be getting my money back after 5 days. A couple of days pass, no updates. I tried calling again, and they told me that they are still investigating and that I should be expecting the refund soon. Sure enough, I did. Now, after about 2 weeks, I thought everything was going well. Last night XX/XX/2018 almost a month later, they reversed the money back without any noticed. I then called them, and they basically told me that since my pin number was used and they got cash back, there is basically nothing they can do, so they closed my case. I am very upset that Chase is not willing to do further investigations so I am contacting you guys for help. I am currently a full time student, so the money lost is very important to me. Please help me get the money back because apparently Chase is not willing to do further investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-30
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I am a victim of identity theft and I have reported the information to several creditors for more than two years and there have been instances where the banking institutions and merchants have not responded nor refunded my monies before 30 days. I have been denied credit from other merchants and use of services because of the information that they have listed at there companies. There is instances where I have documentation from the individuals and they have not provided me with services.

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 2020-08-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, i contacted paypal today that i have been a victim of unathorised tranasction which it wasn't me who did this transaction, i was usually surfing the web until i got a messaged popped up saying XXXX has been sent to this paypal email address i was in shock and i went and checked and saw my paypal password changed so i quickly changed it, and i realised i was hacked thru my computer i must of had a virus but paypal didnt protect me either way no reimbursment. i lost XXXX of my hard earned money i contacted the person email who has my money he was very rude and saying not him etc, so i contacted paypal telling them what happened neither did they listen they just denied right up after couple hours and PAYPAL are letting fraudsters/scammers win constantly no matter what you do, this company has no clue whats its doing it cant detect anything in fact paypal is that bad i will start using revolut again and that was a shocker at least i wasn't hacked, and paypal take no care for customers they just do it their way im very dissapointed. I hope i can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: IL
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:
My XXXX XXXX XXXX is showing a charge off status on my credit report even after I have settled the debt. On XX/XX/2020 I submitted a dispute online to have my account updated to paid as agreed. Instead of updating my account, I received a response saying that my account was verified as accurate. Since I did not get the results that I was asking for, on XX/XX/2020 I called XXXX XXXX  customer service number XXXX and I asked the representative if she could update my account to paid as agreed and she was extremely rude and disrespectful. She told me that she was not able to update my account. After asking her why she gave me a number to call ( XXXX ) an was unable to get through on this number to speak with anyone regarding my account. The representative did not answer any of my questions that I asked. This charge off account is preventing me from purchasing my first home and I can not believe that even after satisfying this debt, I am still being punished on my credit report. Please help!

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 2019-08-28
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Home Depot credit card number on bill does not match my Home Depot Credit Card number ; address for the payment to Home Depot is not a valid payment address. Payments that are made are not credited to my bill but they are taken out of my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to reach chex systems in order to get my credit report which is under a freeze because of my identity theft due to serious car crash by which i almost died i have my pin number which is XXXX and consumer identification XXXX. The system is totally automated by phone and the website has issues. I need my chex systems report to be update according to the fair credit reporting act, and Fair and accurate tans actions act.

I need my chex systems reports after all old and outdated information removed and the results sent to me afterwards to show the results of the removed items after all federal laws have been applied as to this credit report to be updated.

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 2020-08-24
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I received an offer for zero percent APR from XXXX XXXX XXXX XXXX Mastercard on balance transfers. I applied for the card, the balance was transferred, and I set up autopay. When I reviewed the bill I noticed that they had been charging me interest. I called and explained the situation, but they said I failed to apply a code and their was nothing they could do. They stated I would need to submit the original offer which I no longer have in order for the zero percent interest on balance transfers to apply.

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 2018-10-11
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I ma an XXXX XXXX XXXX veteran and I had sent my loan company DiTech Financial my Property tax adjustment in XXXX. This was not adjusted and I had to call back in XXXX. Again it was not adjusted and I had to call again and speak with a Supervisor on XXXX when my account was finally reanalyzed. I was also informed that in XXXX the account should have gone under an automatic anazlysis of my account when i first requested it and submitted my state documents for the adjustment of my property Tax. 

Here we are in XXXX and my payment has still not been adjusted. They have issued my refund and my payment has not adjusted by the {$210.00} I was told it would adjust by. This is the XXXX month where I have paid an additional {$210.00} and I believe this additional money is not being allocated to my principal but instead to someones pocket. 

I have called and called to try to get help having this adjusted and feel as though I am getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

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 2018-07-19
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The collection agency Overton, Russell, Doerr and Donovan put a Garnishment on my Social Security Benefits using a court papers dated XX/XX/XXXX which I was never served any papers to go to court. The 7 years Statue of Limitations expired on XX/XX/XXXX, This medical debt was supposedly incurred in XXXX, that is 10 years ago. I have always had health insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I purchased 2 concert tickets from my XXXX XXXX using paypal. I then went on XXXX when i became suspicious of the tickets and found the same seats I purchased still for sale on XXXX. I filed a dispute with paypal and my bank and even though I provided proof that the tickets are fake i was declined both times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: Square Inc
State: VA
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:
It a company Cash App. I had set up direct deposit and it states it received it on XX/XX/2020 but did not reflect in the balance. There is no customer service only on twitter. And even there is no use. It's my pay check I need it. My health is a stack. I just want my money and do away with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: HYUNDAI CAPITAL AMERICA
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car was paid off XX/XX/2020, as of today XX/XX/2020, I have not received my car title. I called Kia XX/XX/2020, at that time I was told they still have the title and will get it processed ASAP. When I called today, I was told they have not done anything with it and am now getting the runaround.

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 2018-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio recovery has contacted me at work threatened sue me for old debt from year 2000. This has passed statue of limitations in CT and any other states. They have been told not to contact me at work they do it anyway. Call me on my cell again XXXX XXXX today about sued me in court. what's so funny is debt was with capital one and they said debt was expired. They we're no longer collect on it and even offered me credit card. Plus I see the state of XXXX has sued them for millions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: OK
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$650.00} XXXX   XXXX XXXX {$94.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$440.00}

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 explanation
Consumer complaint received 2021-04-05
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold and no information was given to me. No mail was received nor was a email was sent to the account listed. I've wasted 2 hours of my time trying to pay my mortgage. Why can a company sell my loan and not give disclosure to the consumer in this process? The company is Loan Care ( which has not cared for my loan )!! They can be reached at myloancare.com

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 2019-03-16
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was on a standard repayment plan and applied for an income driven repayment plan on XX/XX/19. I completed the initial application through FSA.gov and then submitted my pay stubs and the rest of a paper application to Edfinancial,  my student loan servicer, as required. I requested I be put into whatever income driven plan I qualified for, NOT forbearance. I received a message on XX/XX/19 that my income driven repayment request was approved. However, today, XX/XX//19 I checked my account, and instead of an income driven plan, they have put my loans into forbearance, which is a terrible outcome for me and absolutely not what I requested. I understand this is a common issue with student loan servicers and I did everything I could to avoid this outcome by following the directions I was given, and it still happened. I have sent a message to customer service via Edfinancial 's website as there is no phone customer service on the weekend, and am submitting this complaint not in the hopes this issue is rectified as soon as possible. 

Every day this continues is another day that interest is going to be capitalized on my original balances, and I am worse off than just staying in the standard repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've received a letter requesting payment of a debt from a 3rd party collection agency. 
I've responded with a letter dated XXXX, requestinq debt validation for the account, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. 
No other communication was received from the collection agency, as well as any type of verification, validation or answers. 
A negative remark was made to the Major credit bureaus and to my credit reports.

Company response to consumer: Closed with explanation