BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-06
Company: Abra
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi. I'm filing a complaint against ABRA, a crypto exchange company. $ XXXX of my digital assets were stolen from the ABRA exchange. ABRA is not taking responsibility for the gross negligence on their part. My account was initially hacked in XX/XX/2021 and I immediately informed them about it. They failed to protect my account and did not respond to my concerns until nothing was left in my portfolio... zero, zilch, nada! I could not even access my account to withdraw the remaining funds. ABRA kept reiterating that transactions on the blockchain are irreversible. But I informed them of the initial incident when I still had around 90 % of my funds left. If transactions are irreversible, they should have protected or froze my account after I first found out it was hacked. I asked ABRA to secure my account before the hacker took out the remaining funds in my account. They did not protect my account. They ignored my emails. When they finally responded, I was left with ZERO balance in my account. This was an inside job. No 'hacker ' has access to my account - phone, SIM card, Recovery Phrase. I did not have it written online or on my phone. There was no way anyone could have accessed the Recovery Phrase... I am 100 % sure! Also, my phone number hasn't changed. I've had the same number for the last 20 years or so. I've sent them so many emails because ABRA doesn't have in-person/phone customer support and this is such a significant monetary loss. Not only are they non-responsive, but they also blocked access to my own account. To this day, I can't log in to view my portfolio. Last I checked, it had {$0.00} balance - all funds were totally wiped out. That is outrageously horrendous customer service. When they do respond, ABRA is copying and pasting their previous boiler plate response without offering any resolution. Why is ABRA giving me the runaround? I've seen the same highly critical ABRA complaints in the XXXX XXXX XXXX ( XXXX  ) reviews/complaints, App store reviews, etc. I'm available XXXX to answer any question via phoneXXXXemail. Please assist me in retrieving my money back. Thanks. 
P.S. I have written a very detailed timeline, screen shots, and email communication with ABRA ( attached below )

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 2017-07-26
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Today, XXXX XXXX I made a transfer to a friend in the XXXX. I selected using my BANK account linked into PayPal.
Upon entering the information, my screen cleared and I got a blue bar with " Send Money Now '' to send the money to my friend.
NOTHING told me that they switched from my BANK, which is clearly marked as my 'Preferred Funding ' [ and verified by the customer service persons ] over to my backup credit card. By doing so they raised their fee from XXXX to XXXX ... plus an additional 3 % onto my CC as a 'foreign transaction '.
Going round and round with the PayPal reps, all of whom simply said that " that 's how the systems is set up '' and while they can not tell me why it happened, there is also " NOTHING THEY CAN DO '' to correct the 'error ' on my situation.
If this is so, then they are also ripping off other users with switching to a more expensive funding source, seemingly at whim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD BANK CONTINUALLY APPLIES AND HOLDS FUNDS IN A WAY AS TO MAXIMIZE THEIR BANKING FEES. THEY PUT A HOLD ON MONEY AFTER THEY INDICATE IT ISNT BEING HELD THEN IF YOU USE THE FUNDS THINKING THEY ARENT BEING HELD THEY CHARGE YOU OVER DRAFT FEES. THEY WITHDRAW THE MONEY FOR A CHECK PRESENTED THEN DECIDE THERE ARE NOT ENOUGH FUNDS TO COVER THE CHECK SO THEY RETURN IT BUT DO NOT CREDIT THE FUNDS TO THE ACCOUNT UNTIL THE NEXT DAY. THIS AGAIN CAUSES THE ACCOUNT TO BE OVERDRAWN WHEN IN FACT IT WASNT BECAUSE THEY RETURNED THE CHECK

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Subject - PPP1 Loan forgiveness Application. 
SBA PPP Loan Number - XXXX / Lender PPP Loan Number - XXXX Business Name - XXXX XXXX XXXX NJ, XXXX Address : - XXXX XXXX XXXX, XXXX, NJ XXXX Subject : - Loan received against PPP1 from Bank of America Dear Sir / Madam, We received our PPP1 funds on XX/XX/XXXX. It was my understanding the loan amount received with PPP1 was based on XXXX 1st QTR payroll. While applying for a PPP1 Loan forgiveness application I am being told that forgiveness is now based XXXX Income and not based on XXXX 1st QTR payroll. 

PPP 1 Loan amount Received = {$38000.00} ( This amount was approved based on XXXX 1st QTR payroll ). While applying for Loan Forgiveness BOFA portal says it approved for = {$18000.00} ( which is now based on XXXX Income ). The bank is now asking me to return {$19000.00} While we have utilized 100 % of the funds ( {$38000.00} ) which were received in our payroll expenses for the year XXXX. We are being asked now to return a portion of funds. We planned based on the funds received which allow us to retain employment. 

I have made several attempts with Bank of America to look into the matter, but have always hit a brick wall. I have filed an appeal with the Office of Hearings and Appeals on XXXX XX/XX/XXXX. Awaiting response for the same. 

My request is to forgive the balance amount of {$19000.00}. 

I can be reached at my cell # XXXX to discuss further. 

Thanking you XXXX 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 monetary relief
Consumer complaint received 2018-01-03
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open a checking and saving accounts back in XX/XX/XXXX in Key Bank I have nothing but headaches from this branch is like pulling teeth with your own money. The unauthorized transactions made in my accounts they still have not been neither fix or credit back to my accounts till this day. After is clearly in my account of such unauthorized transfers. Just recently on XX/XX/XXXX {$300000.00} and the rest of my money was swiped out of my accounts completely and after numerous complaints still my money hasnt been credit to my accounts. I want all my funds the same way I put them in this bank. This is the biggest fraud I had ever seen done to an individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approximately 3-4 months ago, I contacted my mortgage servicing company, Specialized Loan Servicing about a legal description change on my property and a partial release of deed of trust. I contacted them several times and were given several conflicting answers not only on facts of what needed to be done to solve my issue, but also in how they operate. When my phone calls got difficult where I was inquiring and asking why I was told wrong, the call would some how be disconnected and you would have to dial in again. This happened on at least 6 occasions ( and as I am typing and waiting for a person in the Executive Services department, it just happened again! ) They advised me that for a legal description change I needed to contact the investor on my mortgage. I had to write a letter to SLS requesting the information and then contacted XXXX XXXX. XXXX XXXX advised me they do n't handle legal descriptions and when I told them I had already spent over 2 months with no resolve with SLS, they offered to assist me. XXXX XXXX has now been working the case for over 6 weeks and also does n't have resolution. So today I decided to call SLS to get a status. As I just mentioned, I was routed to 4 departments and spent over 40 minutes on the phone and just got connected to a LEVEL 3 representative who told me to hold while he researched my situation and, once again, after a couple of minutes the call was disconnected. I have always called in from a land line so either they are having consistently large phone issues or this is a tactic for their call center reps to just get you off the phone because they do n't know how to help you. I am holding up a large community project with the XXXX XXXX XXXX because SLS is not working with me to provide me the information needed to finalize my piece of the project with the City. I am writing you because I have never had such extremely poor customer service phone issues along with such horrendous accuracy issues with a financial institution. You can barely get a supervisor on the phone and EVERY question needs to be answered by a call center rep who can not even view your information. They will never let you talk to a person in the back office who is working directly on your case. Just to help provide a comparison, I recently worked with an elderly neighbor to conduct the same task with his mortgage company and it was solved in 4 weeks. I am sitting at close to 4 months with no resolution and need a manager to reach out to me to get this done. It is hard to believe that a company with these practices can stay in business. 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 2022-02-06
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt collection Medicredit has violated HIPAA. 
They sending me mails to pay the amount they say i owe I sent them a certified mail asking them to send me a validation of the debt. 
They sent me copy of procedures and X amount charged.

They're violating HIPAA i DID NOT authorize them i DID NOT SIGN a HIPAA form authorizing this collection agency to access to my medical records they are VIOLATING HIPAA they are VIOLATING MY RIGHTS my privacy has been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Us Bank XXXX XXXX. To cancel my escrow account for my taxes.. The escrow account was not required as put down {$90000.00} on a {$250000.00} purchase. 
After a long wait they said the cancellation was approved. I had already sent my payment of principal and interest payment. Us Bank has put my payment in suspense. I feel like they are trying to force me into foreclosure and including unwarranted late f

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 2017-07-26
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have 42 transaction that were removed from my PAYPAL account over the span of XX/XX/XXXX through XX/XX/XXXX where the transactions were cancelled by the service provider, however, the funds were still removed from my accounts and never returned. I never thought that if the transaction was declined by the provider to look into my PAYPAL account and make sure that they were actually removing the funds. I assumed just like a bank they are responsible to refund money if it is not being utilized or it is cancelled in the the transaction. All 42 transactions clearly show they were cancelled by the provider ( XXXX  XXXX ). However, the funds removed from my accounts were never refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Going through the website, I chose to lock my credit report ... which was the only choice. I then ended up signing up for a subscription, $ XXXX month, to monitor my credit and lock/ unlock. At the time of signing up and paying, there was never any indication that this was a subscription, and something in addition to a simple credit lock. I called them back and they would not refund the initial {$20.00}, but they did cancel the service. Also, I was able to put a " freeze '' on my credit later without paying their usual {$10.00} fee. 

The main issue is with their initial page, and not making a distinction between the " lock '' ( paid and $ XXXX month ) and the " freeze '' ( paid, XXXX time, {$10.00} ). It pulls you in to a subscription service and does not explain this from the onset.

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 2019-07-30
Company: EQUIFAX, INC.
State: UT
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 XXXX # XXXX is reporting a late I should not have. I came in and made a large payment of {$4000.00} and the representative I talked to said it would cover the next month 's payment. I have had this account for over a decade and have never had a late, this wasn't my fault. I would like for the late to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: LEXISNEXIS
State: GA
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:
Pursuant to 18 U.S. Code 1028A, Lexis Nexis has committed aggravated identity theft against me as they have obtained my social security number, birthdate, addresses, phone number, and alleged information from creditors including transaction history. I never provided Lexis Nexis with this information and plan to report them to the Federal Bureau of Investigation for aggravated identity theft, computer fraud, wire fraud and mail fraud. 

Pursuant to 15 USC 1681a, no investigative reporting on the accounts I have requested be deleted is needed as the only person who can confirm their accuracy is me, the consumer. I am attesting that none of the accounts I have requested be deleted are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: High Mountain Funding Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I place a phone call to a collection agency known as : High Mountain Funding Inc . 
In regards to a collection account place on my XXXX credit report after a random check of my consumer profile review. 

Unfortunately I was not able to receive the name of the woman addressing incoming phone calls do to her lack of respect and disregard of properly identifying herself. 
She insisted I give her formation, name, case number, Etc. 

I felt extremely uncomfortable therefore I am filing this complaint to inform, High Mountain Funding Inc, that this unknown and unverified collection account is showing multiple an clear inaccuracies. 

I made an attempt to contact and receive information to understand how they come to the conclusion of their calculations with the sum of : {$1500.00} Which is completely and absolutely inaccurate from XXXX and XXXX that is reporting {$1500.00}. Also on XXXX the original creditor is reporting {$1500.00} Also its clear the account is closed but was updated on : XX/XX/XXXX as an open account. 

It appears attempts to violate my rights are being committed which is a violations of the FCRA under the law regarding Re-aging accounts. 

- XXXX XXXX is reporting a update on : XX/XX/XXXX with original creditor. 
- XXXX is reporting a update on : XX/XX/XXXX - XXXX is reporting XX/XX/XXXX - High Mountain Funding Inc reported XX/XX/XXXX on my XXXX Credit Report XXXX 

This account was closed by the original creditor : XXXX XXXX XXXX, on : XX/XX/XXXX. However, the collection agency in question has reported account status as : Open. 

During my research after my attempt to reach a member of this company to understand more about this unknown debt, my research lead me to find a law suit against this particular collection agency that warrant this complaint for their unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CL Holdings LLC
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:
Never got a account with The creditor and stablish credit with or card or i was bill for it However, i was found out that a 3rd party collection company reported me late with a balance of {$97.00} Jeopardizing my ability to obtain credit somewhere else This a real violation of my consumer rights and fair credit act I called XXXX on XX/XX/XXXX @ XXXX and spoke with credit representative XXXX XXXX Who confirmed that I never had any credit or nay relationship with the creditor And even had different address shown on their data base confirming that person was NOT me Rep recommended to have a direct dispute with the 3rd party agency since the account was wrongfully Charged off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I have a car in lease. I signed for a loan XX/XX/2019 at XXXX..went back to dealer XX/XX/XXXX XX/XX/2019 .I asked him to cancel loan it was to much. That I needed to extend the lease. So I extended lease with XXXX XXXX. Filled out paperwork and explained what happened at dealership. This was done XX/XX/2019.I was told not to worry they will extend my leases. They receive my money and the contract. But on XX/XX/2019 the dealership with through with the loan. So XXXX XXXX told me because they received the money before mines they took the check. But they also took my check and cashed it. .for my lease extention

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 2018-06-06
Company: DISCOVER BANK
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:
Discover is violating my consumer rights by providing false information about late payments to the credit bureaus. I have been a victim of identity theft, and when my wallet was stolen the crook also hacked my email addresses and forwarded my Postal Mail. I never received any statements from Discover in XX/XX/XXXXat all. After figuring out that my automatic payment was not going through and after not seeing a statement. I called Discover in XX/XX/XXXXto advise them I had not received any bills and what was going on. Discover reported late payments because of this even though I never received bills. Once I learned what happened I paid it right away. Discover originally told me they would remove these late payments. Which they did, however they did not remove them from my credit reports. Once I called today to ask them why and explain again, the person named XXXX told me they dont have to remove this inaccurate information and that they could send me a statement now months later. He also told me he doesnt care if Im a victim or not, then tried to falsely say I called discover in XX/XX/XXXX. When I asked for proof, knowing I never called them he said they couldnt give me proof that its internal only. Which is more lies. Discover is violating the FCRA. Please review this CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Apply for Capital One quicksilver one for rebuilding credit. I was approved. Then waited to get card and all.Even a nice guy help threw the application thing. Then waited for card and never came. I wrote them and called them telling i was approved ands waiting on card.For $ XXXXlimit. Yet they said it was mistake.Person was rude

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Friday, XX/XX/XXXX Paypal put limitations on my account, citing inconsistent account activity. On the same day, I called Paypal customer service countless times. During those phone calls, no one could tell me why limitations were being placed on my account but during the last call of the day, I was guaranteed with 100 % certainty that I would receive the money in my bank account by the end of the day. I woke up Saturday and still could not access my account. So I called customer service again and asked to speak with every supervisor possible. Each supervisor guaranteed that I would receive my money as well, by the end of the day, and with 100 % certainty. It is Tuesday XX/XX/XXXX,  and I still do not have access to my money. Further, I received an email stating that my account was being closed and that they are now going to hold my money for 180 days. I have not misused my paypal account and gave them no reason to place this hold on my account. One of the supervisors even told me that my account looked to be in perfect shape.

Company response to consumer: Closed with explanation