BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-16
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
my case is really important. 
i have my paypal account without any transaction and paypal close without reason. 
why they close my account if i do not have any transaction activity or dispute. 
I mean this is really crazy. 

I think paypal made a mistake with my account. 

i would like paypal fix the problem and their system. 
my email associate with my paypal account is XXXX. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Perennial Funding LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Greetings, Recently I decided to refinance my VA Loan. The agreed upon terms were a 20 yr fixed VA mortgage@3.125 %. Provided necessary documents to get the process started to XXXX XXXX ( Senior Loan Consultant ). 

Received application/documents from XXXX XXXX requesting signature. My response to her was, " Before documents can be signed, please make all correction to all handwritten changes. '' Of the requested changes, Check the box to lock interest rate was XXXX of many discrepancies ( see attached ). XXXX XXXX refused to check the box to lock interest rate. 

And as we are nearing closing, approximately $ XXXX is being requested to extend the rate lock to process the loan. Only XXXX Loan Estimate dated XX/XX/XXXX was provide with the box checked indicating the rate was locked reflecting an increase in the interest rate from 3.125 % to 3.250 % and total loan amount of {$360000.00}, XXXX of XXXX scenarios to cover the cost of a rate lock extension as stated by XXXX XXXX. ScenarioXXXX : On the loan estimate, Increased total loan amount to {$370.00}, XXXX with interest rateXXXXXXXX. 

The Loan Estimate I signed on XX/XX/XXXX was with total loan amount of $ XXXXXXXX3.125 % with a request to correct the total loan amount. As you can see, total loan amount was corrected {$360000.00} but rate was changed to 3.250 %. Documents and Loan Estimate was provided by Home Point Financial, XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. Rate lock extension is not needed being that rate was lock on XX/XX/2016 as indicated on Loan Estimate dated XX/XX/2016. I 'm requesting to have the loan to reflect the correct total loan amount ( {$360000.00} ) and correct terms of ( 3.125 % XXXX ). Time is very important. Loan Estimate indicates rate lock is until XX/XX/2016. I 've attached various copies of e-mails, Loan Estimates and application forms. 
Thank you, XXXX

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 2021-05-16
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
You guys all set me up with being pre-qualified just to turn me down what you guys don't see is my new history where I never missed a payment on my car loan where I paid off a whole car that was financed you guys don't look at the whole picture you just set me up to think I'm pre-qualified

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After paying XXXX they sent me a bill saying that I still owed them money and late fees. I called them to settle the issue. Spoke to a representive and supervisor on XX/XX/2017 on XXXX seperate accounts, XXXX and XXXX.Bottom line we cleared all accounts.They agreed to dismiss the XXXX.dollar late fee for XXXX which paid that out..XXXX had a late fee of XXXX dollars on it, be reminded that these bills were paid in full. They were sending me a bill for late fees. To clear out all accounts as well as future accounts I agreed to pay the XXXX dollars late which I did at the time and close out all accounts. They agreed and we proceeded. On XX/XX/2017 I received a letter from them stating that I had until XX/XX/2017 to send them XXXX dollars.After calling them again and reminding them that they made this arrangement, they said yes but after further investigating they could not do it. To me you made the arrangement, we settled it and I'am done. XXXX, instead of excepting their responsibility puts a negative report on my credit report never mind the fact that I have been dealing with them for years with serveral differant accounts with never a problem but this was of their doing. I WONT IT OFF!!!

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 2015-05-21
Company: MIDCOUNTRY FINANCIAL CORP
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I got a personal loan for XXXX. They are charging me 35 percent apr, plus a XXXX dollar " finance charge ''. They forced me to have insurance on the loan for if I lost my job or had a financial hardship it would pay the payment. I ran into some money trouble, and the finance company refused to let me use insurance to pay payments, putting me almost XXXX payments behind. I caught it back up, but they charged me over XXXX dollars because they turned it over to their attorney " just in case ''. The manager then said if they took me to court that I did n't need to go. As I have been paying my payments, they refuse to give me my balance. On XXXX of my receipts, I saw a balance at the bottom, and the loan officer said that 's not your balance because yours is higher. They literally are marking out the balance on the receipts and saying if I wan na argue about it they will just garnish my wages. From the start, my XXXX dollar loan was over XXXX. Now, they 've added over XXXX for " legal fees '', plus say that it 's 35 % interest a year. I got the loan XX/XX/XXXX, and they say I still owe XXXX dollars at XXXX dollars a month. I ca n't keep paying this loan. I 've already paid it back plus some. Can you please help me and my family?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I disputed this account and received corrspondence which was a violation of HIPPA Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I can not locate any instructions on how to add my rental history to my report. I can find no help on how to add a consumer statement to my reprt.

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 2021-05-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. I havent received a response or status on the investigation in the past 30 days! This is unacceptable and in violation with the FCRA. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX XXXX data breach and XXXX Experian data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit 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 non-monetary relief
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative inaccurate information reported by Experian in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX XXXX with a wrong account number XXXX and challenge the accuracy, compliance and reportability of this listing. Please validate this information with Experian and provide me with copies of any documentation associated with this account, bearing my signature. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. 

I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2016-07-18
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During the process of selling a property XX/XX/XXXX, I was told by the title company that they were unable to get a clear title because a day before the scheduled closing XXXX claimed there was a mortgage default and would not clear the title. As a result {$60000.00} is being held in escrow from the sales proceeds. The mortgage on the property was paid in full in 2003. I have proof in the form of cancelled checks, bank statements, XXXX forms from the mortgage company which correspond to my tax returns, a payoff balance letter form the mortgage company, and a congratulatory letter from the mortgage company when I sent final payment. The original mortgage was with GMAC Mortgage the final mortgage payment was made to them. Due to the banking meltdown, this issue has ended up with XXXX. Lawyers at the title company I 'm working with have contacted attorneys at XXXX and XXXX XXXX, a vice-president at XXXX. They been unsuccessful in obtaining from XXXX what they are claiming the actual default is or any proof that there even is a default. I have called XXXX XXXX VP at XXXX numerous times to only receive voice mail. I have sent numerous emails with the same result. I also went to XXXX in person and attempted to speak personally with XXXX XXXX and deliver supporting documents as listed above. I was n't even able to gain access beyond the lobby of the building. In addition, no one would accept the packet of documentation I had prepared for XXXX XXXX. 
It is now being suggested to me, by the title company, that in order to release the escrow funds I may need to buy a bond for an additional {$900.00}. This mortgage was paid in full thirteen years ago and I have the proof. To pay more now seems ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX The above complaint has still not been resolved, and they ignore 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 2016-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I apply for a capital one student card. the card was very reliable and i could purchase thing where every need but the only problem was when it came to payment. I was always told to pay on price and it would cover the account and then you would pay that amount and the next customer service rep. would tell you that is not enough to cover the balances on the account. They would harrassed me on the phone about payment. and sound real hostile and it was always some kind of issues with late fees and over the limit fees. They never offered thing right assistance to bring account down. you speak to so many people and they are always losing docuement of you information or what was discussed on phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: HW Holding, Inc
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Hunter Warfield in XXXX XXXX has bought a rental contract from my old landlord. They harassing calls and reporting to all the credit bureaus monthly adding XXXX a day. I called them first to see who they were. I gave them my information and they told me that they will destroy my credit. I was let out of the lease because of a cr accident and unable to get a handicap accessible unit. And on XXXX I could no longer afford to live there. I left my security deposit because I was unable to do the mandatory cleaning that every apartment should do. The also said I filled the dumpster. All my furniture was taken with me. Damage to rugs. They were over five years old when I moved in. They are up to XXXX. In damage. And I had a walk through when I handed my keys in. Hunter Warfield has sent me letters to settle for half since it was a joint account. One man on the phone told me to hold a sign for money on the corner or make a relative pay it. Because of this I am unable to get a apartment I have to rent a room. They are destroying my life. They call twice a week. I should of had a day in court by the original creditor XXXX XXXX XXXX XXXX XXXX . Please help me, I do n't know where to turn.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: DCI Credit Services, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
On XX/XX/XXXX DCI credit services was recovered a Judgement against me for collections. I had paid {$180.00} at that time. I was then XXXX from XXXX in various XXXX, XXXX and XXXX until my release in XX/XX/XXXX. During that time I had no real income or contact from DCI credit services nor have I received any contact from them prior to the wage garnishment. I have been living in XXXX since my release and attending college and during the off time have been filing for deferment on my college loans. I have not received any contact from DCI credit Services until I received the letter stating that my checks will be garnished in the amount of XXXX % to pay off a remaining balance of {$3600.00} for debts owed to XXXX College and XXXX in XXXX XXXX. Student loans are not in collection or in repayment while in school or is under a deferment which I have been consistently registered and attending XXXX College and XXXX College, the times I was not enrolled I was under deferment. DCI Credit Services did not contact me at any time between XXXX and the time of the Garnishment. They said they sent XXXX letter out in XXXX ( never specified which ) in which I did not receive. The supposed debt form XXXX care show up as closed in my credit history report as of XXXX of XXXX. Yet they are trying to collect on a closed debt. I had no contact from XXXX until the present garnishment was put into place. I had contacted DCI credit services to see about having the percentage lowered from the max of XXXX % per paycheck and was told they can and will not lower it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
As of 2009 after seeking to obtain my credit reports to apply for a large purchase in the near future discovered several credit cards and other accounts opened without my consent filed for a investigation in regard to identity theft. After 4 years of failed attempts with XXXX credit bureaus I obtained assistance from the organization clarifi, along with filing a identity theft victims complaint & affidavit with the FTC. After further investigation & verification of the documentation supporting my claim the XXXX credit bureaus finally corrected the issue by deleting all the accounts opened without my consent. However I was XXXX for nearly 5 years unable to obtain employment and ineligible to buy a house or car and to this day still have several problems due to the credit bureaus negligence. They continue to place inaccurate incorrect and negative data on my credit profile. After sending several requests and getting no response or the inappropriate response am now seeking legal action to file suit for the violations in accordance with the FCRA ruling & guidelines. I am currently XXXX and XXXX by these practice 's which prevent me from gainful employment, purchasing real estate and buying a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: United PanAm Financial Corp.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I got a car loan from United auto credit, The car had bad problems with it to prevent from passing Texas State required safety inspection United auto credit to me to send in copy 's of the receipt for starting repairs they would defer our XXXX 2015 payment to the end of the contract, and start paying on XXXX for next payment, They said after I sent the receipt Now they refuse to even after starting repairs, and they nowing they financed a unsafe car they said they dont car I ask to have the contract rolled back to the car lot XXXX days after signing contract they refused, they knowingly financed a car knowing its not road safe according to Texas Safety law inspection. I told them I wanted they money back on the deal {$1000.00} down and a payment of {$270.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I use BB & T for a supplemental checking account. The auto deposits from multiple companies I wrote insurance products for caused me keep the account open. I have about XXXX transactions on the account per month. An annual review and reconciliation of the account works for me. When I infrequently looked at my statements I would note XXXX charges for {$7.00} per month. These charges are for interfacing with XXXX software. However I do not need or use XXXX to keep up with the minimal accounting requirements of this account. Everytime I noted the charges I would go to a branch to complain and they would refund only a few months worth of charges. In XX/XX/2016, I spent an hour with BB & T on the phone, flagging my account to never get charged for XXXX again. I never authorized these charges and have never downloaded anything from the bank to XXXX. I have paid hundreds of dollars in XXXX fees for nothing in return. In XX/XX/XXXX I discovered that I had been charged monthly since XX/XX/2016 when the account was changed by BB & T. I complained on-line and BB & T sent me a letter telling me I had logged into their system and gave two times where they said I had logged in. One time was when I was in church and the other was when I was at work. XXXX and BB & T were not, could not, have been accessed by me at these times. Nevertheless, the bank used these false log-in times as justification for not refunding the fees. I am in the process of fighting the denial. The BB & T employee who wrote me did not supply a direct dial or email and I have invested time telling my story and having more investigation only to be told the letter writing employee was the only one who could help me. I have to call again on the next business day as the employee is out of the office.

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 2022-02-01
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: Reporting company used your report improperly

Complaint:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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