BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-15
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/20 I received notification from PayPal that our account had essentially been permanently closed, with no explanation give. I contacted them by phone more than once and they refused to explain their decision. Both times I tried to discuss the matter with them on the phone, they said that they would review the case and get back to me within 72 hours, but they have never gotten back to me. I would like to receive an explanation as to why our PayPal account was permanently closed/frozen/deactivated. 

Below is a copy of the text from the email which I received : You can no longer use PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive money or shop online. 
If you have money in your PayPal balance, well hold the money for up to 180 days. After that period, well email you with information on how to access your funds. 
We regret any inconvenience this may cause. 

. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My complaint is against Carrington Mortgage Servicers LLC. On XX/XX/XXXX they denied an offer for a short sale that was submitted. I received a letter dated XX/XX/XXXX stating that the short sale was declined. There were two other offers previously submitted the bank did not process any of the offers in a timely manner and was not responsive to the offers submitted. I believe this to have been an intentional willful act to further subject me to intentional emotional distress. The foreclosure proceedings began on or about XX/XX/XXXX and started shortly after the sale of the home. I've produced personal documents including bank statements and pay stubs several times and the bank was not responsive in processing the short sale offers. I believe they intentionally delayed processing of the offers. The last communication states that the loan is now governed under the Hud SLFS. Had they processed the offers timely the property would have been sold. Now they continue to send me collection notices the last one dated XX/XX/XXXX stating that I owe in excess of $ XX/XX/XXXX. They sold the home to me for $ XXXX the home is valued on or about $ 160k. I would like them to be investigated in relation to their negligent acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Transunion along with the other two reporting agency are using predatory practices on my credit reporting, two times this week i have been denied credit once on my home insurance and the other trying to refinance my home, i have always paid everything on time never been bankrupt and have plenty of equity to qualified and an annual salary over {$100000.00}, i also been a victim of credit fraud reported by all 3, apparently this reporting agencies do not care about the well bean of the citizens of this country I'm XXXX years old work all my life, serve in the XXXX XXXX XXXX paid my taxes but apparently there is something wrong with the system, just because a few points on my credit score i can't qualify for anything all 3 reporting agencies have 3 different numbers, please somebody help me in how can i deal with this predators.

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: NCC Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not sure what this debt is and they wont give me information on it, I have called so many times and cant get a hold of anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TD BANK US HOLDING COMPANY
State: NY
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:
XXXX credit card bill arrived and I noticed unauthorized charges. I immediately ( around XX/XX/XXXX ) called and notified the bank of the unauthorized charges. The bank stated that they would conduct and investigation. A few weeks later ( XX/XX/XXXX ) I received a letter asking me to confirm my dispute. I reaffirmed the disputed charges and sent back the letter on XX/XX/2020. A few weeks go by and I noticed I still being charge interest and late fee, so I called back. I was told that the case is closed and a request to reopen the case was submitted and someone will call me within 2-3 weeks. I called every few weeks and I am told that an investigator is going to call me. After a few months I ask to speak with a supervisor and he tells the same thing. Each time no investigator or supervisor has reached out to me by phone or by mail. I don't what the result of the investigation, however I'm still being charged interest and late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Convergent Resources, Inc.
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on XX/XX/2020 a person by the name of XXXX from Convergent Outsourcing, Inc. Inc called twice about a debt owed. 

I explained it was my legal right to advise them to stop calling me and as of today i would like all communication and anything they needed from me in writing. 

She proceeded to say " I can't do that I need to verify myself '' and I repeated again to stop calling and to mail me communication. She then proceed to give me attitude about what I just asked for and said " tisk tisk tisk '' like I had done something wrong before just hanging up the phone on me. 

this was at XXXX EASTERN STANDARD TIME

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 2018-07-02
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive recently was notified by checking my credit report, that a unfamiliar debt was posted on my credit report. The account debt that was posted was by LJ ROSS Associates for a XXXX XXXX XXXX. I have dispute this matter with XXXX as well XXXX. This is not my account. I have not lived in that apartment in over 5 or so years. When I have moved from that location, I called XXXX  to discontinue services. My balance was at {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Diversified Consultants, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I notified XXXX that Diversified Consultants in the amount of {$850.00} and XXXX XXXX  in the amount of {$7600.00}, XXXX  in the amount of {$57.00}, XXXX XXXX  in the amount of {$76.00} and XXXX XXXX in the amount of {$180.00} was being reported on to the credit file that they maintain under my social. I have also previously informed XXXX that I was a victim of identity theft. XXXX fail to investigate this manner as Fair Credit Reporting Act Section 605B describes that they do. These accounts do not belong to me and have not given proper documentation to me validating these accounts nor did they inform me that they were being place anatomy credit file. There are NO CONTRACTS AND nothing bearing my signatures that they can provide so how in the heck is XXXX   validating these accounts. These accounts were open as a result of identity theft and needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Immediately remove the following accounts XXXX - Date opened : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Experian Information Solutions Inc.
State: NC
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 have provided Experian proof of a student loan that was paid off. I have also provided CFPB with the same documents. My student loan debt, in the amount of {$68000.00}, has been paid off to XXXX XXXX XXXX and I have documents to prove it. Experian refuses to actually call XXXXXXXX XXXX XXXX to verify and correct this issue. Experian is very rude when you try to call them to get this resolved. I need someone to help me get this resolved so this {$68000.00} debt can get off of my credit report. XXXX  and XXXX   have this loan paid off correctly, but for some reason Experian can't get their act together even when documentation has been provided. PLEASE HELP ME!

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 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX, a bankruptcy once listed on my account was deleted due to inaccurate reporting ( Supporting document # XXXX XXXX. After the deletion of this item, several accounts started to report inaccurately. Also, many disputes would not update after the investigation was completed. All the disputes would say " Consumer Disputes - Reinvestigation in Process, '' Although I did not have an active dispute. I disputed the " comments '' ; however, the final results states that the explanation previously attached to this account has been deleted, but my report would not update ( Supporting document # XXXX ). Since the report would not update, I would have to dispute the comments repeatedly, just for the issue to reoccur again. The accounts that have not been updated and that I have to keep disputing are XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. Since the comments would not come off, I disputed that they are reporting as open on my account when they should be closed and listed as XXXX. No updates or corrections were made. XXXX disputed the accounts again to have the comments removed. 


I disputed the Bank of America account on my report since it reflected as 60-80 days past due, a past due amount of {$210.00} ( supporting document # XXXX ). Bank of America was listed in Bankruptcy and should not be reflecting as past due. On XX/XX/XXXX, Bank of America updated my report, removing the incorrect information ( supporting document # XXXX ). However, the report stated in the additional information that " Consumer Disputes this account information, A temporary update freeze on file, collection account. '' I once again submitted a dispute to have the account comments removed. This time, The Bank of America account reports late 60-80 days past due XX/XX/XXXX. Balance amount of {$1700.00}. I spoke with Bank of America, and they state that they updated XXXX that my account is XXXX and did not give them any information that the account was behind since it has been closed since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: JPMORGAN CHASE & CO.
State: CA
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:
I received XXXX Chase credit card with annual membership fee of {$450.00}. The card was stolen from my purse ( perhaps work of my house cleaners ) and fraudulently charged. I reported to Chase Credit Card Fraud department immediately, after investigating the incident Chase credited my account back and closed the Credit Card. However, the membership fee was never credited and up until today Chase is showing that I still owe membership fee plus late charges of {$490.00}, on the closed account. Chase has reported to credit bureaus over 60- days late and damaged my 20 plus years of credit history with no late ever reported ....

I have made several attempts to resolve this issue directly with Chase Credit Card customer service and their billing department and so far every agent that I have spoke with gave me run-a-round and promising answer - but with not resolution to resolve the issue. My problem is to understand - why I have to be responsible for membership fee if I never used the card, never. Chase bank closed the account after the fraud resolution, but they are still making me responsible for membership fee on the closed card.

I am asking for help in resolving this matter, to fully credit my credit card balance on Account Number : XXXX XXXX XXXX XXXX, and report the credit bureaus to correct the reported late payments on this card ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the following unauthorized inquiries from my Transunion credit report : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
Put Consumer Reporting agencies on notice that all accounts should be validated pursuant to 15 USC 1692g. Without written consent with instructions 15 usc 1681b ( 2 ).

an Extension of credit, or experience should not be shown on my consumer reports. Companies did not respond.

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 2018-07-31
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
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 received a credit card bill from the XXXX XXXX XXXX brand credit card issued by XXXX XXXX. I don't believe I have ever used this card, and the first notification I ever got from them was this bill that showed that I made no charges but was being billed a {$69.00} annual fee. When I called to close the card, they said that they would close the card but that I still would have to pay the annual fee. I asked to speak to a supervisor and when she finally got on, she said the card I had to pay the annual fee and that the card would stay open and interest and charges would accrue until I paid the fee. I have never encountered a credit card company that wouldn't close the card and remove an annual fee on a card that had not been used, with XXXX balance except for the annual fee.

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 2020-11-26
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2018-10-07
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ONCE AGAIN COLLECTOR TRYING TO COLLECT 2-3 DEBT DISCHARGED IN BANKRUPTCY XX/XX/2018 CASE NO.XXXX AND CALL US ON CELL 3-5 TIMES IN VIOLATION T.C.P..A. AND FDCPA. WE HAVE SCREEN SHOTS AND VOICE RECORDINGS.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a collection with XXXX XXXX that I have been disputing. The account was approximately 5 years old. I disputed many times and it was finally taken off. Only to return through a company called XXXX XXXX XXXX with a resetted date of XX/XX/2017. 5 years of age turned into 3 months is unacceptable and illegal. This needs to be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Experian Information Solutions 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 CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , AND   XXXX   XXXX   XXXX   ) THE CREDIT BUREAUS GAVE ME NO VERIFYING PROOF. THESE TWO ACCOUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN MY  NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATION  XXXX  O F 2015.

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 2018-07-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have had an American Express card for 11 years, with no problems up until now.

My interest rate was at 11 %, and they hiked the rate up to a usury rate of 17 %, without notifying me ( as required by law ) of the increase.

My credit is perfect, as in absolutely no derogotory items, and I have never missed a payment in my life ( across all accounts ).

When I called American Express ( over 9 times now, which I've recorded all ), I received the following information : 1 ) The reason for my rate increase was : -I have used the cash advance feature -I have used my card internationally/in XXXX 2 ) Another manager negated the above, and said that's not correct. Thanks for correcting the obvious.

She proceeded to put me on hold, as she tried checked all mailings to me. She came back on the line, and told me she would call back within the hour.

When she called back, she stated " XXXX, after reviewing all letters to you, I can confirm I don't see any correspondence notating a future rate increase. '' She subsequently sent me to another department for review. Days later they got back to me, and told me " a marketing letter was sent to you outlining the upcoming change. '' This is a complete lie, and it never happened.

They are increasing rates across the board, and then subsequently telling the consumers that complain that in accordance with the law they sent a letter detailing the upcoming rate increase.

LIE Show me the letter? I'm sure you have a digital copy, where is in my online account?

CRINIMAL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
It all started I XXXX called the bank because we where having difficulties coming up with the mortgage payment due to an accident my wife had XXXX couldnt return to work.. ; so we wanted to see what we could do to lower the mortgage payment ; after speaking to Wells Fargo We started sending all the documents needed for a modification. It was a lill confusing to us and we wanted to get a good aoutcome so we decided to get a lawyer to represent us ( XXXX ) XXXX XXXX XXXX XXXX the bank XXXX Wells Fargo XXXX XXXX denying us ; the layer kept saying to us all the time We spoke to him that We were elegible and that it was the bank giving us the run arround ; last letter We received facing foreclouse so we contact the lawyer XXXX he told us that he needed {$3500.00} to submit some document to stop foreclousere.. we couldnt afforded it. So we started calling d bank.. XXXX they ask us to submitt all the documents again nothing was moving so We called XXXX of XXXX XXXX XXXX They have been working with us to stop the foreclosure and get a modification going.. finally We just got an approval but with a first trial period mortgage payment of XXXX. After trying 2 years non stop to get a modification this is what we get.. We dont have that kind of money and its not fair to us.

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