BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Received notification from XXXX XXXX XXXX that we had an unpaid interim tax bill. Stated they sent it out in XX/XX/XXXX ( we never received this letter, and didnt get follow up until XX/XX/XXXX ). Called our Mortgage company CMC funding to take care of the owed taxes with escrow. Sent them the information to do so. Received another letter in XX/XX/XXXX stating they ( XXXX XXXX XXXX ) did not receive our payment for XXXX XXXX XXXX XXXX. Total now with fees was {$4800.00}. Sent this new total to CMC funding on XX/XX/XXXX. Case manager called and stated that they were working on this to get it paid. XX/XX/XXXX letter {$4900.00}. XX/XX/XXXX rolls around still NOT paid. Contacted them again. Spoke to agent who told me that they had contacted XXXX county and we were all paid up. They were not to contact the county, they were to contact XXXX XXXX XXXX Fast forward to XX/XX/XXXX. Still not paid, and received the 30 day notice that there will be a lien on the house unless I now pay {$5400.00}. Called XX/XX/XXXX and no one has any idea what is going on and why it has not been paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: TX
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 called Experian to explained that I have 36 inquiries on my Credit Report and I did not apply for Credit at any of these companies. I spoke to the Fraud Department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. I sent an email to the President of Experian explaining that I did not make these inquiries and I have a fraud alert placed on my account. 
I also have a Collection Account that I know nothing about. XXXX XXXX XXXX and/or XXXXXXXX XXXX XXXXXXXX that does not belong to me. This should also be removed.

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 2019-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Thursday XX/XX/19 I called Bank of America 's customer service line and asked to speak to a Supervisor in the Disputes department after weeks of calls and faxes with supporting dispute documents. The appeal process had been handled very poorly with multiple reps telling me over the phone that based on the information they received the dispute would rule in my favor only to receive rejection letters. On XX/XX/19 I spoke with a Supervisor in Disputes and told her I would like to cancel my card because I didn't like how they had handled the dispute process. She replied OK, it's closed. I asked her to explain as I was not yet prepared at that time to actually close the account and that I would like to talk to her Supervisor as I had not been told if we were on a recorded line and the proper disclosures were not read to me. I still have no idea what to do about any outstanding charges. She was extremely rude and unprofessional. I asked her again to forward me to her Supervisor and she instead forwarded me to the general customer service line. I filed a complaint then with Customer Service who said they would put in a request to have my card reopened and call me back later that evening. No one called. I called again on XX/XX/19 and XX/XX/19. No one has taken nor returned my call and the card remains closed with outstanding transactions now being declined.

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 2019-05-18
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had been using PayPal for awhile for my small business. One day they limited my account without warning or explanation. Not only could I not access my funds, but I could not even refund my customers who hade made partial payments towards their purchases. When I contacted PayPal, they claimed I had multiple accounts. I realized after some investigation that I had started one years ago for the sole purpose of making an online purchase. I immediately contacted PayPal again and was then given a completely different reason for closing my account. They claimed I had too many disputes, all 3 of them out of 100 's of transactions, which were resolved without issue. The problem here is that PayPal does not make it known that customers should contact sellers regarding issues. Therefor every buyer automatically opens a dispute regardless. I have top seller ratings on every site, yet banned from PayPal. During my 3rd contact with PayPal, they informed me it was my merchandise that got me banned ( designer fashion bags & accessories ). They claimed there was too much potential for fraud. They also claimed there was another account under my name. I asked if it was also using my social security number, and was told no, " There could be 10 other people with your name '' they said. This made irate! I am in many XXXX buy/sell groups with thousands of members and PayPal is the only allowed form of payment. These folks have no trouble selling their designer merchandise! Obviously, my small business took a massive hit. I finally had to shut down because PayPal refused to release my money ( {$2000.00} ) for 6 months. They literally put me out of business. On top of everything, I lost the ability to use XXXX because they only accept PayPal. I can no longer use my shopping rebate apps, I can no longer work my independent contractor jobs for extra money because they only pay via PayPal. I can't shop many places online because they only accept PayPal. How can this one company take so much away from me in so many aspects of my life? It can not be right. I still haven't recovered from the damage they did my finances and the worst part ... .I still don't know why! I do know I did nothing wrong. Unfortunately PayPal is the ONLY option and this doesn't seem like it should be legal. I really need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS BEING REPORTED ON MY CREDIT ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TOTHE ACCOUNTS THAT ARE BEING DISPUTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : I am filing a complaint against : Experian, XXXX. XXXX XXXX, XXXX, Texas, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both Experian and XXXX XXXX XXXX XXXX. 

What am I looking for you might ask? Information showing when I received this late payment. 

Not only have they ( XXXX XXXX XXXX XXXX ) failed to furnish me with any information or statements they ( XXXX XXXX XXXX XXXX ) continue to put remarks on my credit file via Experian Credit Bureau. I have sent several certified registered letters to them asking for evidence of this late payment. They ( Experian ) have only said to me that they have as per my credit report We have completed the processing of your dispute : Outcome : XXXX XXXX XXXX XXXX Remains the company that reported the information has certified to Experian that the information is accurate. As of XX/XX/XXXX. So, how can that be, because I still have not received any information from XXXX of proof or Experian for that matter. 

Verified : The collection agency or creditor may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a creditor or debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent Experian Credit Bureau information about the company in question. Experian has not been forth coming either, saying that they have spoken with and validated the information to be true. Yet, I still have not received any evidence to prove that fact. I have asked time and time again as you will see in my attached letters to Experian and XXXX XXXX XXXX XXXX to do what is right. So, Please validate this information with ( Experian ) and provide me with copies of any documentation associated with this account. 

I would appreciate any help in this matter would be great. I have been trying to get to the bottom of this matter for well over a year now. 

Thank you Reference to : XXXX XXXX XXXX XXXX Closed Account showing late payment from 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 2017-11-18
Company: NAVY FEDERAL CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Theres a double hard inquire from Navy Federal with the same exact date. Ive only applied for their credit card one time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2017-12-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I pulled my credit report on XX/XX/XXXX. I called XXXX ( Opened XX/XX/XXXX ) to verify my information. They said they did not pull me up with my SSN.  They did verify they had my name and snn. They said they did n't have my address. I want to know why this is reflecting on my credit report when I paid this. It is also from XXXX and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: DISCOVER BANK
State: CO
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:
Someone hacked into my Discover credit card account on XX/XX/2019 and made a transfer of {$8400.00} to a XXXX Bank account XXXX in MN. Discover added a transfer fee of {$330.00} to bring the total to {$8700.00}. 
I reported the fraud to Discover Security in late XX/XX/2019. They called me saying that I had verbally approved the transfer so no fraud occurred. Not recalling me doing this I asked them to text me the recording of the call, but they refused, saying it was propriety information, needing a subpoena. 
I filed a fraud report to the Internet Fraud unit of the local XXXX XXXX department. The investigator contacted Discover Security who told the same story that I approved the transfer, so no fraud occurred, so no crime to investigate. 
I filed a complaint with the Internet Crime unit of the FBI in XXXX, and have never had a reply or response. 
Neither XXXX XXXX or Discover Security found out what XXXX Bank account holder received the transfer to get it back, or who hacked into my credit card account, nor did they try. 
Discover focused solely on blaming me ( without disclosing evidence ) and refused to credit the fraud amount to my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
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: Account status incorrect

Complaint:
In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX XXXX   TO XXXX ( XXXX XXXX XXXX XXXX . A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX balance. Between XX/XX/XXXX and XX/XX/XXXX XXXX sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.

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 2019-10-03
Company: SYNCHRONY FINANCIAL
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
PEP Boys car care/Synchorny bank are attempting to collect exempt funds ( unemployment insurance ).

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 2019-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On last year got scammed on unauthorized transaction and Bank of America didnt do the action to refund my money. Any help that can help me for that fraud or unauthorized charge?

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 2018-03-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing Payoff Statement Issued XXXX, shows a line for Deferred Interest of {$12000.00}. The most current loan from an XXXX XXXX Loan Modification, does not show Deferred Interest of {$12000.00}. The payoff statement is incorrect. SLS needs to revise the payoff statement to appropriately reflect the Loan Modification Agreement dated XXXX XXXX and Received by SLS on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Dealer Services has been incorrectly reporting my account to credit reporting agencies for 3 years despite several attempts & disputes to have the information corrected. My car loan/installment account was paid in full & closed in XXXX XXXX the vehicle was totaled in an accident, car insurance & gap coverage paid  the debt completely XXXX. Wells Fargo continues to show the account as open & having an outstanding balance of {$16000.00} with both XXXX XXXX  XXXX. After filing my first dispute, in XX/XX/XXXX, Wells Fargo corrected the balance only on my XXXX report to show there was {$0.00} remaining on the loan but never corrected the account status to paid in full/closed. To date, they are still reporting to XXXX that the account is open & has a balance of {$16000.00}. I have sent at least 6 letters disputing the discrepancy & Wells Fargo refuses to correct the information. This is having a big impact on my credit/FICO score bc not only is it showing I have an outstanding debt, its affecting my debt-to-income ratio. I dont know what else to do to have this corrected, its been years & Ive tried everything.

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 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Ppp loan from government. My bank is put a hold on the funds, requested documentation, I have sent the documents 15 days. They still didn't release the hold from funds. And they don't give me time frame how long will the process take. I got this loan from government, now I can't use it. This is so unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Citi Bank Account ending in XXXX Refinanced house in end of XX/XX/XXXX. 
I paid off my bill for Citi Bank {$12000.00} from my XXXX XXXX  account Our Finance company paid off the same bill, so until it was caught in XX/XX/XXXX we paid them twice. I called Citi bank and they proceeded to transfer me from one person to another ; still would not refund the money stating that they had to wait for it to clear my bank? According to my bank statement the electronic payment was made on XX/XX/XXXX? Still arguing about money clearing we proceeded to call my bank so she could verify the money had cleared the account. My bank indicated that it was an electronic payment so therefore there should not be a wait period for $ to clear? After a lengthy dispute about 3 hours they decided to refund the money and at that time I wanted to CLOSE MY ACCOUNT. On XX/XX/XXXX the electronic deposit was put in my account. 
On XX/XX/XXXX an email from Citi bank came to me with an overdue amount of {$580.00}?? My account was closed I thought, but apparently when Citi Bank refunded my account they left a balance on the credit card? Why would they leave a balance when they had more than enough to pay the complete balance and I told them to close the account at that time? Unbeknown to me my account was accruing interest and late charges as well as reporting it to the credit agencies giving me a mark on my credit! I was in tears, I didnt want to argue anymore after another hour and a half! They did not waive the late fees and were not able to change the credit bureau! Asked them why the account wasnt closed the first time and they couldnt say? 
On XX/XX/XXXX I received another email from Citi bank with another past due balance of {$64.00} from a software company on XX/XX/XXXX. I was furious!! I did not authorize any payment for software and besides all this my account was closed for the 3rd time in one year. Now XX/XX/XXXX I get a email statement with interest charges and late fees for this purchase. The bill is up to {$120.00} with late fees and interest. 
This company has been very disruptive to my life. I pay my bills on time and am very conscious of my debts. Something has to be done with this Citi Bank merchant. 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 monetary relief
Consumer complaint received 2018-03-16
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a XXXX XXXX account charge off in XX/XX/XXXX and I tried to settle it with them before it went to collections. XX/XX/XXXX I filed a report on CFPB only to learn that while I was trying to settle with XXXX XXXX they stated it was already with a collection agency, I never received notice and after speaking with XXXX XXXX they gave me the creditors information Firstsource Advantage and stated that Firstsource has sent me 2 letters, which I never received.Not to mention they have all my up to date mailing address and phone number because I have 2 other credit cards with XXXX XXXX.I recived all the information from XXXX XXXX ONLY because I filed a complaint through CFPB or i would of never know the account had been placed with a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation