BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I noticed that my transactions were being reordered in the past  two  months (  XXXX  and  XXXX   XXXX , as well as I was being charged RIDICULOUS overdraft fees. Not only are these overdraft fees charging me {$35.00} dollars for a {$2.00} charge that keeps being debited from my account just so the bank can charge me  XXXX  dollars again, then  XXXX  dollars, then {$100.00} and {$170.00} dollars in overdraft fees.     TD bank has reordered my transactions to make it look like I did not have funds in my account in order to maximize their ability to charge me overdraft fees. For example, on a day where I was in overdraft by {$4.00}, I made a direct deposit of {$300.00} to get out of the overdraft. However, on my TD banking portal, it reordered my transactions to seem as though I still had a negative balance when I used my card after the deposit cleared the negative balance, and I was charged  XXXX  dollars in overdraft fees MULTIPLE times.     These overdraft fees are not warranted given that they were " posted '' to my account during circumstances I knew I had funds in my account because I had made a deposit that same day, and were being posted about transactions that did not actually occur on those days. Even on days that I had made a deposit and was in the positive, I was still charged unfairly.     In   XXXX   alone, banks took in over {$32.00}  XXXX  dollars in overdraft fees. Additionally, TD bank has been sued in the past over such overdraft fees and reordering transactions, but it is very apparent that this behavior is continuing. This is truly outrageous that TD is purposely reordering transactions and charging all of these overdraft fees without my consent and without even notifying me of being overdraft to begin with. There was not even ONE time I received a notice via phone nor mail about being in overdraft.       Through my online banking portal, I sent a message to TD bank detailing my issue in  XXXX , and they took a week to get back to me even though they guarantee a response within  48  hours. I called TD bank today,  XXXX   XXXX , to dispute these charges. I opened my bank account i  XXXX   XXXX   XXXX   XXXX   XXXX , where there are several  TD  bank branches, but I currently attend college in  XXXX  Washington state, where there are  XXXX   TD  bank branches. Thus, I did not have the accessibility of a branch to go in and talk to a representative. When I did call TD bank, a customer representative told me that out of the total {$940.00} dollars in multiple overdraft fees due to THEIR reordering of transactions and the system 's error, they would only refund me  XXXX  dollars. I was not able to ever use the money from my direct deposits since they were being funneled to the bank as profits via their overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-16
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I purchased a number of items via Paypal on eBay. I asked that my credit card be charged. Instead and without my authorization, Paypal debited my bank account in which there were insufficient funds. Paypal via " XXXX '' it 's supervisor, admitted that they did this intentionally against my instructions but refused to credit me for the overdraft charges on my bank account or to remove my bank account from my Paypal account. Paypal also promised to send me an email admitting that this was completely their fault but never sent it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-05-13
Company: AMERICAN FINANCING CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I looked at American financial for a fha home loan. During the initial process the numbers they quoted us was not what they presented to get us to sign but they had greatly padded the loan and all number were much higher. We went with another lender and informed American financial. The second problem came when they drug their feet on transfer of the fha case number to our new lender and after all this they emailed us a bill for {$500.00} for the appraisal when we paid for our appraisal with our current lender. We never signed a letter of intent with American financial and yet they billed us anyway. We did not sign anybody the documents they tried to get us to sign. when we complained to them and told them we were not paying them any money they told both my husband and I different stories of what happened saying it was an automatic process that the appraisal fee was generated because it is attached to the the case number but we took our business to another lender and they had no right to bill is for work our lender is doing. We contacted them repeatedly telling them that we never signed a letter of intent and they knew we had chosen another lender. Why are they monitoring our loan with another lender and trying to bill for work our lender is doing and that we have already paid for.?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-13
Company: EQUIFAX, INC.
State: NY
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:
This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the Equifax data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Several times I have tried for free report and have been told I must download forms and send in requested information. I have answered ID question honestly and still told I have to do the mail in process. Why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-22
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal closed my account and is holding the funds for past 4 months. There has been no update what so ever and no one from paypal has got in contacted with me with details on why the money is still with them despite the account being closed 4 months back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This SYNCB/OLD NAVY XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

SYNCB/OLD NAVY 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 2016-08-10
Company: ID Analytics, Inc.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I tried to talk to a live person for the credit bureau to freeze my credit report. That bureau, SageStream , LLC Consumer Office, formerly known as IDA Inc. There is never possible to talk to live person in their business hour and only allow me to do voice mail which is so inconvenient. They do not accept foreigners request as they strongly need their list XXXX files to do freeze report. And the files literally give people no way to make freeze done. For example, they want NON-US Person US PASSPORT picture page,, they want Birth certificate where they have no ability to read other language file and if you submit they would not accept them. Weird thing like that can list endless. 
They revoke foreigner 's people right for their own credit report freeze.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
" PayPal Credit '' gave me a credit line of {$1200.00} to make online purchases at many retailers including Ebay. This account was connected to one of my PayPal accounts which is connected to my Bank " MY COMPLAINT '' PayPal credit authorized and allowed the purchase of a television for {$440.00} from Ebay seller " XXXX '' and I chose the 6 mo payback option..But immediately following the purchase ( 5 minutes ) without warning they reversed the credit which sent the charge through all sources connected to my other PayPal account and my bank for immediate Payment.with not enough funds in my bank to cover the charge. They had no solution to help me. I had to beg and borrow from my friends to get funds in the bank to avoid NSF charges. .After 2 hours on the phone I find basically that no one can fix or explain what happened. Me and my bank account were held hostage to this PayPal credit scam. They finally used my refund from the Seller ( which I had to plead for ) as coladaral to make a Ghost deposit in my bank because my refund though in my PayPal account was n't available for three more days .I still cant believe this happened and that an institution like PayPal can hold a person and their bank account hostage for what I feel is Unfair Lending Practices to say the least. Please tell me that this is illegal and that an attorney will call me with the information on my lawsuit!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please be advised that I.C. System, Inc. has violated the Fair Credit Reporting Act ( FCRA ) by reporting this fraudulent debt and amount to the credit bureaus. If this collection is n't removed immediately from all credit bureaus, I will be moving forward with a formal lawsuit against the company. I 've been in contact with an attorney and have all supporting documentation outlining their failure to adhere to consumer protection laws. If the company does n't remove this immediately and I am forced to proceed with a lawsuit, I 'll also explore the possibility of a class action lawsuit to help the countless other victims that have been damaged by I.C. System 's unlawful practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-21
Company: Northeast Recovery Solutions, LLC
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
National Recovery Systems called to collect a debt. I verified to make sure the mark would be removed from my credit report seeing I was trying to fix my credit score. They agreed it would be removed so I paid the amount asked for. Why would I ever pay money to keep it on my report? I verified it would be removed before paying anything and now they say they dont delete items.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-31
Company: Experian Information Solutions 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:
XXXX mistakenly reported a late payment on my account that was opened on XX/XX/2010. I have never once been late on that account or any other account i have. My credit score was XXXX and this one item that they refuse to correct dropped my score from " Exceptional '' to " Good '' which means higher interest rates when i got to get any form of credit. This is ridiculous for someone that has no historical late payments, has paid off three mortgages and 6 vehicles in the last 10 years alone and carries low balances on cards with high credit limits. XXXX refuses to fix the error and Experian also has refused to fix it saying that its a computer generated response based on their scoring and what XXXX submitted. XXXX says they can not fix it and to call the credit bureaus. Its a ridiculous circular vacuum where no one does anything to fix the issue. 

To make the whole matter worse, now Experian is reporting the same card twice to make my credit appear even lower. 

There is no way that a private company that charges to improve your credit should be allowed to exist and charge consumers to try to " boost '' their credit when they are misreporting it on purpose.

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 2015-12-02
Company: The Regional Adjustment Bureau, Incorporated
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
A debt collection company that bought my student loan has been harassing me and my family members. The company is RAB Inc./Regional Adjustment Bureau Inc. , XXXX. XXXX XXXX, XXXX, XXXX XXXX. I called to discuss with them that right now, I am unemployed and I can not pay the amount they were asking for in full. I told them when I get on my feet, I would call them to set something up. I told them to stop calling my family members in and out-of-state looking for me and asking them where I work when they have my direct contact information. They had called my wife, my wife 's office, my mother-in-law and my sister-in-law after I told them to only contact me. I also asked them to erase the other numbers, which the agent claimed to do, but a week later, they were calling the others again. They also call from different numbers to try to get us to answer the phone. This has been going on for months and my wife even filed a complaint on the National Do Not Call Registry but it has n't stopped the calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: Jim Bottin Enterprises, Inc
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX repeatedly robocalls my cell phone, which was never registered with them, about an account that is not mine, of which they originally hassled my minor daughter about ( and probably still are ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have paid XXXX to Nelnet through XXXX ( as of XXXX, XXXX ) and this student loan payment ( and related garnishment ) should be complete. However, Nelnet and XXXX has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). Nelnet has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has almost doubled and Nelnet has lost paperwork, misapplied payments, added surprise late fees and also delayed processing of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Check City Partnership, LLC
State: NV
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I received a loan and paid off the loan. But then they said that I took another loan out. Never received the loan. They been calling me for XXXX days now. But they decided to call my MOM AND TO INFORM HER ABOUT MY LOAN PROBLEM. THEY STATED TO THAT THEY HAVE THE RIGHT TO GIVE ANYBODY MY INFORMATION IF THEY KNOW MY LAST XXXX NUMBERS OF MY SOCIAL.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
i have been trying to understand the {$70.00} withdrawals and the {$10.00} service charges posted on my statement period XX/XX/XXXX - XX/XX/XXXX i talked to XXXX in their XXXX maine office ( she so nasty ) she told me to go to the bank branch. 
i talked to XXXX at XXXX XXXX cor XXXX XXXX branch ( XXXX ) she can not help me understand the issue. i requested XXXX to send me a letter explaining the issue but she refused to send me a letter. 
Please help me get TD BANK to explain the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12
Company: Navient Solutions, LLC.
State: LA
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:
Navient student loan company told me my account was charged off and did n't allow me to make payments for over 2 years starting XX/XX/XXXX. I recently obtained a copy of my credit report and I see where they have been reporting my as failure to pay. This company has been cited before for its predatory lending practices. I have spoken with several agents there and explained my situation about not having a job at the time no help was given. And on XX/XX/XXXX after months of repairing my credit and bringing my score up, they flagged my XXXX private loans as charge offs when I could have been paying on them all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Firstsource Business Process Services, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from " One Advantage '' stating that I owe an alleged debt. I am a federally protected consumer under the United States Constitution and my consumer rights are being violated. I do not owe and debt and I demand that they cease any collections effort immediately and do not report anything to any credit reporting agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation