BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Byrider Franchising, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a car with XXXX XXXX and I didnt have the car a full 2 months and I turned the car back in because I went out on FMLA leave due to medical cal issues. I asked if I could pay my payment late or lower my payments and they refused. I repeatedly asked for help and they just kept threatening to repossess the car. So I turned the car in and now they have it on my credit as repossessed and they have already sold the vehicle and put it on my credit as a repossession. I can not even get a car anywhere else because of the repossession. Please remove this from my report because I am in need of another car plus my son has a XXXX and I can not purchase another car with this on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am having an issue with PayPal as they have hundreds of dollars of my money that I earned on a hold. Its been like this for weeks where PayPal has limited my accounts access and have not allowed me to use my account, or get access to my money. I am a XXXX  and I thought PayPal was a safe way to complete transactions with customers but now I realize that they are a scam. I have contacted them every day since this has occurred and my issue is still not resolved to this day, nor do I get any help from their customer service. It seems as though they have no obligation to return my money to me, and wont even tell me why my account was put on limitation even in the first place. Every document or Id PayPal has asked of me, I have sent them. But, still my issue is not resolved. I took my issue to XXXX, where I realized there are many many more consumers of PayPal, going through the exact same issue. They are holding large amounts of money from their consumers for 6 months + time, without any explanation. This is unacceptable. There is something fishy going on with them and I truly believe they are a scam and stealing peoples money. Something has to be done about this because I need that money to pay my bills desperately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Discover Card does not apply payments above the minimum payment to the highest interest rate first. I have not used the Discover card to pay for anything in months and am trying to pay off debt with the balance transfer. A significant share of the balance is currently in a higher purchase interest rate at this point and a small share has a low promotional rate, yet when making a payment with significant amount added to the minimum payment, only a small fraction of this excess payment is allocated to the highest interest rate. 

I have called Discover and emailed them. Both times they XXXX me with " you can not see this from the statements as it goes by average daily balance ''. Funny thing is, it seems to work when I make two payments, one for the minimum balance and one extra, on the same day, though they will not even credit two payments in one day but the extra payment with a 24 hour delay compared to the minimum amount payment ( and I make these payments within 5 minutes of each other in the morning ). And, every other credit card we have had, we could lower our interest by paying off the balance with higher payments, not so this Discover card. The interest stalls though we pay off every month. And their answer is " well your balance is going down ''. All I saw go down over the past 8 months was the promotional interest rate balance until I split up the payment last month. 

My husband has a card with them as well and we made a payment of {$1000.00} extra, and this payment was allocated to the highest balance, no problem clearly visible on the next months statement. I do not make extra payments of XXXX dollars, we pay an additional few hundred dollars each month. They cheat when it comes to one payment in excess of the minimum payment to the point that I have had months when my interest has not only stalled but increased as they shift the balance. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I currently have a LTV of 78.00 % on my current home mortgage. I have requested the private mortgage insurance to be cancelled. The loan servicer, ( Chase Home Mortgage ), the PMI company ( XXXX XXXX ) and the loan holder ( XXXX XXXX ) are requiring me to get a BPO ( Brokers Price Opinion ) which costs {$100.00} for determination that my house has not decreased in value. 

Per the HPA ( Homeowners Protection Act ), when a homes LTV reaches 78 % of the original mortgage amount the loan servicer has to request the PMI be cancelled. Chase Mortgage will not request the PMI to be cancelled unless a BPO is obtained. I am being penalized by paying extra on my mortgage to get the PMI cancelled earlier than the predicted amoritization date of when my LTV would be 80 % which was predicted to be XX/XX/XXXX. 

Furthermore, if i had not been forward thinking and not checked on this my PMI would have been automatically canceled in XX/XX/XXXX, however my LTV would have most likely been around 70 % at that point. I would not have received a refund on the PMI that was not required to be paid based on I reached a LTV of 78 % in XX/XX/XXXX. I would have paid approximately an extra XXXX on PMI that was not required and that should have been cancelled automatically when my LTV reached 78 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The IRS sent me a letter stating that they sent my Covid check for XXXX to my BB & T account which has been closed, but BB & T never sent it back to the IRS and kept it without notifying me or sending it to me by mail.

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 2021-04-24
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: Investigation took more than 30 days

Complaint:
I have submitted several dispute cases and several requests for reinvestigation with little progress in correcting inaccurate and fraudulent information on my Experian credit report. On XXXX I sent a signed 609 letter to Experian customer relations containing identity documents and items I was requesting investigation on and requesting that all documentation be requested from the reporting party and provided to me by mail or email. The timeline for Experian to at min acknowledge my letter was clearly stated as 30 days from the date the letter was received by Experian using regular mail. I received no acknowledgement, no documents and there was no change or indication anything had resulted from the letter on my credit report. Out of an abundance of caution and to ensure that Experian received my written request I sent a follow up letter that included with it the original letter sent XX/XX/2021 and identity documents. I stated in the follow letter that I would extend the deadline to be provided documentation for each item requested, however, once again I have had no response from Experian, received none of the documents requested from reporting companies and there has been no changes to my report that would indicate any action has been taken. This is all in clear violation of the Fair Credit and Reporting Act section 609.

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 2020-07-02
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a checking account with Citibank, account number XXXX. I closed my checking account in XX/XX/2020. The checking account also had a Checking Plus Line of Credit attached to the regular checking account to pay any overdraft fees. I assumed the add-on account would be closed at the same time. I was unaware that there was a balance on the Checking Plus Line of Credit. Subsequently, Citibank reported me to the credit reporting agencies as being 30 days late for {$22.00}. I have paid the account in full. 
I asked Citibank to remove the derogatory information from my credit bureau because they did not inform me of the balance on the add-on account when I closed the parent account. When I informed Citibank that I would like to file a complaint they told me that I need to talk to 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 2018-05-23
Company: MIDCOUNTRY FINANCIAL CORP
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX XXXX CONTRACTED WITH XXXX XXXX XXXX AND THE MATTER WAS TO BE HEARD BEFORE A XXXX XXXX   SUPERIOR COURT ON XX/XX/XXXX UNDER CAUSE NUMBER XXXX.

ON THAT DATE AND UPON ARRIVING AT THE COURTHOUSE, XXXX XXXX WAS APPROACHED BY XXXX XXXXXXXX XXXX XXXX. HE INFORMED HER THAT HE WAS AN ATTORNEY FOR XXXX XXXX XXXX. AND THAT XXXX XXXX XXXX   WOULD NOT HAVE TO APPEAR IN COURT IF SHE WOULD SIGN A SETTLEMENT AGREEMENT.

XXXX XXXX, WITHOUT THE BENEFIT OF COUNSEL, SIGNED A DOCUMENT ENTITLED " NOTICE TO DEFENDENT '' THE SETTLEMENT AGREEMENT.

AFTER GIVING LEGAL ADVICE TO XXXX XXXX   AND SECURING A SIGNATURE ON A LEGALLY BINDING DOCUMENT, XXXX XXXX THEN REPRESENTED TO THE COURT THE FOLLOWING : " 1 ) XXXX XXXX CONTACTED XXXX XXXX IN XX/XX/XXXX ) THE PARTIES AGREED THAT DEFENDANT NEED NOT APPEAR IN COURT FOR THE XX/XX/XXXXXX/XX/XXXX HEARING '' HERE, XXXX XXXX MISREPRESENTED TO THE COURT NOT ONLY 1 ) WHO INITIATED THE INITIAL CONTACT, 2 ) WHEN THIS CONTACT OCCURED, BUT ALSO 3 ) THE REASON WHY XXXX XXXX DID NOT APPEAR IN COURT FOR THE XX/XX/XXXX HEARING.

XXXX XXXX XXXX COMMUNICATION WITH XXXX XXXX  IS A VIOLATION OF RULE 1.8 ( CONFLICTS OF INTEREST ) AS MY CLIENT WAS 1 ) UNREPRESENTED, 2 ) WAS NOT GIVEN A REASONABLE TIME TO SEEK OUTSIDE COUNCIL, NOR 3 ) SIGED ANY WRITING WHICH WOULD ABSOLVE XXXX XXXX OF THIS CONFLICT.

PURSUANT TO RULE 1.8 OF THE INDIANA RULES OF PROFESSIONAL CONDUCT, XXXX XXXX XXXXS FORBIDDEN FROM SETTLING CLAIMS WITH UNREPRESENTED PARTIES WITHOUT MEETING THE WRITING REQUIREMENT AND GIVING A REASONABLE OPPORTUNITY FOR THE UNREPESENTED PARTY TO SEEK THE ADVICE OF INDEPENDENT LEGAL COUNSEL.

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 2020-07-02
Company: Bread Financial Holdings, Inc.
State: CO
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:
On XX/XX/XXXX, I visited the WayFair website for the first time and saw an offer for their store card which offered a {$40.00} promotional credit for a purchase of {$250.00} or more. I went to make the purchase and the system would not let me use the promotional credit. I placed another order for {$250.00} or more and the {$40.00} credit was gone. The only reason why I applied for the card in the first place was for the {$40.00} offer. The only reason I used the card was for the {$40.00} offer - and yet Wayfair 's system never allowed me to use the {$40.00} credit offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a letter today XX/XX/XXXX, from SLS, dated XX/XX/XXXX, acknowledging receipt of my XX/XX/XXXX payment but not designating how they applied it and demanding {$4500.00} by XX/XX/XXXX or they will foreclose. I do not owe them {$4500.00}. I have made all payments since XX/XX/XXXX. They will not disclose what they have done with the payments or who or how they process them. I have requested the names, addresses and phone numbers of all employees who have had contact with my file and/or processed my payments, requesting details of how they processed them and what company policies and/or procedures they followed from XX/XX/XXXX to the present. Attaching copies of their letter, my letters, and my Exhibit A & B with usps receipt numbers. I had to send the letterssPriority Express and it cost {$26.00}. What payments, specifically, do they claim I have not paid, or have not sent, and what have they done with them? Thank you for any assistance you can give me. I have an XXXX  from this.

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 2018-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The offense occurred in the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Washington, DC. 
On XX/XX/XXXX, My fiance and I were attempting to purchase re-sale tickets for admittance to Capital One Arena to watch the XXXX playoff game with the XXXX XXXX vs. the XXXX XXXX on the same date at XXXX hours. 
At approximately XXXX hours, she discovered an advertisement, posting ID # XXXX, on the XXXX website for tickets to the Saturday game located in Section XXXX, XXXX XXXX of the arena. Using the XXXX contact information ( telephone number XXXX ) for XXXX, listed as the seller, my fiance engaged in a text exchange whereby, at approximately XXXX hours, the seller agreed to sell the tickets to us for {$140.00} each, totaling {$280.00}. The seller, requested that the funds be sent via the electronic fund transfer application XXXX, which is now common to most large banking institutions. Seller stated, via text, that upon receipt from us of evidence of the transfer of funds via the XXXX app, seller would transfer the tickets via XXXX. Seller requested that the funds be sent to the email account XXXX via XXXX. 

At approximately XXXX hours, I transferred {$280.00} of US Currency from my Capital One account via XXXX to sellers account, XXXX Payment ID # XXXX. The caption on the payment read XXXX XXXX XXXX Sat XX/XX/XXXX XXXX vs. XXXX. At XXXX hours, seller responded via text to us stating that he needed a moment while transaction processing. After that point, seller did not respond to any text messages from us. Both attempted to call the contact number provided, but were unable to reach seller. At approximately XXXX hours, I emailed seller, but received no response. 
Seller did not deliver the tickets to either of us, as was agreed. 

I contacted Capital One to report the fraudulent activity at XXXX hours. I attempted to stop the transfer, as it was listed as " pending ''. However, Capital One said that was not possible. Capital One reports that the funds were sent to XXXX XXXX account associated with XXXX XXXX. I received claim # XXXX. 

I reported the fraud to the XXXX Police Department, CCN # XXXX. 

I received a letter from Capital One, dated XX/XX/XXXX, which stated that there were no errors in the transaction, and thus my claim was denied. 

On XX/XX/XXXX, I contacted Capital One to question their response, as I had supplemental documentation and a police report, but was never contacted by the bank. The representatives said that was irrelevant, and that the transfer could not be contested because XXXX XXXX   reported that it went to the account to which it was sent. I questioned how the bank could promote the use of XXXX- going so far as to incorporate the service in the bank 's smartphone application- as a safe way to transfer money when they did not stand behind the transactions, even in clear cases of fraud. They basically said it was tough luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Reference complaint XXXX in which XXXX attempted to collect a debt from me. Convergent Outsourcing is now attempting to collect a debt with a similar balance and referencing the same paypal credit account # XXXX. XXXX continues send this information to collection agencies to attempt to collect this debt which I do not owe and have no knowledge regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX reports a collection account with XXXX for a balance of {$310.00} which is not due and has never been due and with conversations with XXXX XXXX, they will not remove it from the credit report ( even if paid ). 
I have requested the credit bureau to remove it and have not been successful in this effort.

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 2015-05-28
Company: Alorica Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pleae refer to complaint number XXXX. To date, I have not received follow-up or other additional information from the company ( e.g. itemized bill ). Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have leased a vehicle in good faith from XXXX using XXXX XXXX XXXX. 

In XX/XX/2017 I acquired financial difficulties. In order to resolve those, I am working on reducing the cost of vehicle leasing. 

When I attempted to make the changes to my XXXX lease, I encountered unfair, deceptive, or abusive acts or practices on behalf of the XXXX XXXX : I can not obtain a transparent PAYOFF amount for my lease, like I have with my XXXX, whereas I log on to the website sign in to my account, and see it openly. 

With XXXX, I cant access that information on my secure XXXX Account, where I make payments etc. There is a statement that claims I have to go to the dealership to obtain the payoff. Instead I called, and got an outrageous number by which the original price of the vehicle would be ten to fifteen thousand dollars above the actual price. So I requested in writing an explanation from XXXX XXXX. They responded to my letter with a phone call, stating that in the State of Florida they can not disclose .... blah blah blah ... That is totally illogical, as I am the one in debt, and need to know my numbers. 

I am fighting XXXX for over two weeks, with calls and letters that get me nowhere.

Also, as I attempted to transfer my lease with one of the online companies, I learned that XXXX does not allow me to transfer in the last 12 months, ( I have 11 remaining ) which makes it brutal. 

So : I can not sell my vehicle to XXXX or XXXX since the " Payoff '' I received is illogical ( shy of {$36000.00} while the XXXX XXXX  value is in the {$29000.00} 's ) and seems arbitrary but no explanation of how XXXX reaches that number, while in an advertisement, XXXX offers me to take off all of the upside down number with discounts and bonuses, if I can get " hooked '' on another VWXXXX product. 

I am being subject of non transparent, abusive and unfair practices and wish to raise my voice.

Company response to consumer: Closed with explanation