BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting my money back. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed my account and would not provide any information as to why. To my knowledge I did nothing that was out of the ordinary. Im sorry, I was just a young XXXX kid trying to build his credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
My wife and I received a random promotional phone call one evening from American Express. We agreed to the terms of 9.9 % and stopped using our XXXX credit card, as we were in the middle of flipping a home. The home is now cnear completion and we went to pay the XXXX balance off. In so doing, we were notified the 9.9 percent agreemnet was never activated. Statements are included to signify when the offer became effective. We called and were moved up the chain of command 3 times, to only be told, " Even if the promotion was valid, it is no longer and would not be in effect now. '' This is after we asked them to screen the recorded call, at the lower levels of customer service they denied any such promotion ever existed, and approximately 3 hours of nonsense. We closed the card, gave them any reward points and will keep paying it down until we actually have the agreement honored and pay what the implied- verbal contract is. We want to pay them what we owe them in full, not more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i was sued by XXXX for hsbc the debt is not mine there fraudlent charges on the acct they agreed in court to stop collecting the debt. 
and remove it from my credit report.Im getting getting harrassed by a company called XXXX .they do n't stop bothering and there violating the court agreement of docket number XXXXXXXXplease have them remove all negative i nfo from my credit report asap and stop harrassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Ok so i thought there were fraud charges on my us bank relicard ( unemployment ) so i called to report and then the fraud departure lady asked me if i wanted a new card I said sure she said it will be there in 4 to 5 days well it came and i went to activate it and it was locked so i called and they told me i would have to send in a current id. And a selfie so i did the first ssid it was blurry to go through the steps again so i did well it was blurry again i found out this because i called they didn't send me no email or call so then they said ot has to be a valid id that i didn't have and they didn't say this when they asked if i wanted a new card they didnt say nothing about having to send any documents to get my card validated so then they ask me for all these other documents they said they didnt get this was the first week of XX/XX/2020 it is now XX/XX/XXXX and stiil they have {$1600.00} dollars of mine they wont release because they say they will only take a valid id which i dont have do to other documents i need to get it i am without electricity and water and food because of them not unlocking my card i called about and them not telling me all the documents i would need after asking if i needed a new card i didnt ask them they asked me it was shady on there part to do this to my kids amd i XXXX.i wouldve just kept my other card i have been in tears i have done what they have asked me to do about sending in other documents but they are holding my unemployment the only money i have hostage and them the send me a letter say if nothing is done buy the XXXX of this month XXXX they will send it back to unemployment i am at a virge of a nervous breakdown i dont no what else i can i do so i am begging and pleaing for your help please help me please

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 2016-01-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i had service with XXXX. I use to pay my bill at store. until somebody used my personal information and payed online with checks from other victims while i was giving cash to this person because i was busy working. Also, XXXX fraud specialist team did not solved a fraudulent transaction from a moving truck company in other state way far from my origin state ( CA ). they gave me a new card and put my balance back to how it was before the fraudulent activity and a month after the same truck moving company took the same amount as the first transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked for them to send me proof of the debt and they have refused. They will not even send it via XXXX Signature requested. I believe this debt is not mine and they will not prove it but has harassed me via mail and phone and now threatening me with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Navient has not ceased their collection efforts, despite me requesting to effectively show me how is it I owed them, where I never took out loans with " Navient '' in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: AMERICAN ADVISORS GROUP
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
At the end of XX/XX/XXXX I applied for a Reverse Mortgage with AAG. I was continually given the wrong information about what they needed in the way of forms. I have a POA. My husband has XXXX. The Mortgage Broker told me to get letters from the doctors stating my husband had XXXX and could not make financial decisions, which I did. Now we are into 4 months and they tell me they need a specific form signed and filled out by the doctor. They had me give them my original POA and now I have nothing. They are asking for the forms to be signed by the doctor and 2 times they have emailed me the wrong forms in the POA. They asked for my XX/XX/XXXX and XX/XX/XXXX tax forms, which I gave them now they tell me they need transcripts from the IRS. It is now going on 4 months since I first talked with a Mortgage Broker.If I had to do this all over again, I would not do it. I ' m just so far in now that I have to complete this or start all over again. This company is supposed to be the best. I doubt that very seriously. You ca n't talk to a supervisor, or anyone who can help you. Boooo XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Scott Parnell & Associates, PC. 's ( XXXX ) Attorney Michael J. Scott ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called XXXX XXXX and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/21 we accidentally missed paying our credit card statement in full ( {$3400.00} ). Our automatic minimum payment paid {$35.00} and we were charged the interest for the billing period ( {$65.00} ). 
We realized our mistake on XX/XX/21 and paid the balance in full. At this time we also set up an automatic payment to pay the statement balance in full at the end of each statement period. 
On XX/XX/21 our automatic payment should have paid full statement balance but only paid {$2700.00}. 
Then on XX/XX/21 Chase charged us another " PURCHASE INTEREST CHARGE '' of {$30.00}. 
When we contacted Chase regarding the second " PURCHASE INTEREST CHARGE '' of {$30.00} they said they were " required to charge it to our account '' and would not make any effort to rectify the charge. 
Due to Chase 's unwillingness to rectify the " PURCHASE INTEREST CHARGE '', we cancelled our account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 've repeatedly reported to Experian that people are applying for credit in my name. I continue getting alerts that my credit file is being accessed. I recently received notification of inquiries I did n't authorize from XXXX XXXX XXXX, 2017 & XXXX XXXX XXXX, 2017. These are fraudulent inquiries that must be removed by law.

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 2015-06-06
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
HelloMy name is XXXX XXXX and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, XXXX this past XXXX. When I purchased the car I put {$600.00} down and I was financed by Credit Acceptance which is located in XXXX, XXXX. I agreed to pay {$250.00} every month and I gave them XXXX references with all there contact information. I recently had a family emergency and I had to fly to XXXX, I was only there for XXXX days and when I came back I received a call from XXXX XXXX telling me to come to his office because my license plates arrived. This was about XXXX weeks ago and he put my plates on himself but a XXXX later my car was repoed without warning! I never received a phone call or an email neither have any of my references that I left for them. When I called them they told me that the automatic payment system they put me on was blocked by my prepaid card? I normally call to make my payments anyways but with all that I had going on I really wish I would have received a phone call or warning before it was repoed. Now when I called Credit Acceptance they told me my car was moved to XXXX, XXXX which is about XXXX miles away from where I live. After trying to make sense of everything with them over the phone it was obvious that I am dealing with greedy morally incorrect XXXX who did n't care about my issue. However they did tell me if I paid the repo fee and my week behind payment I could pick my car up today in XXXX. After paying them a total of {$540.00} the lady then told me my car was not in XXXX, XXXX but it was moved to XXXX, XXXX! I have been pushed around enough and lied to I am an XXXX Veteran and to be treated like this is very disrespectful and hurtful! My neighbors all saw the man repo my car and saw me try to reason with him because I thought it was a mistake! I am very embarrassed about the whole situation and I just want my car back so I can get to work. According to them I can pick up my car Monday in XXXX, XXXX, I will be taking a train and walking the rest of the way hopefully they will be honest about XXXX thing through this whole ordeal. I am not sure if there are any laws against what they have done if not I would just like the world to know how heartless they are and how they treated this Veteran! My phone number is XXXX, my email address is XXXXXXXXXXXX, Credit Acceptance 's number is XXXX. 
Thank you for you time!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. And the multiple name spellings.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I have a XXXX account that was paid in full and it shows negative as well. 
XXXX bill And multiple ( 10 ) name spelling addresses XXXX XXXX  XXXX XXXX, XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX, nj

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 2016-02-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Re modification states according to terms provide for interest rateand principal and interest payment adjustments. Was paying XXXX monthly 2 % interest. Now new interest 9.2 % new payment with principal and interest XXXX. New monthly payment including principal, interest and taxes XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct.The creditor has agreed to delete this account. Please contact the furnisher and they will confirm this. Then remove this account from 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 explanation
Consumer complaint received 2017-05-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We were approved for a HAMP Trial in   XXXX   XXXX   by  XXXX   XXXX , but they transferred servicing of our loan to  Bayview Serv icing before we could complete the Trial and make payments. So in   XXXX   XXXX   the request for modification assistance b  egan again with Bayview.
During the past six months  , all documents requested have been submitted and confirmed on several occasions. Each time, however , Bayview will t hen request more documents or " updated documents '' that should have been requested in the first place.     Now they have pla ced a Sales  Notice for   XXXX   XXXX   XXXX   on our door, even as they have communica ted NOTHING to us via  regular mail, email or our account status on their website, which continues shows us under review for our modification.     And yet a sale is underway.     We have repeated emailed and uploaded complaints to  Bayview o ver their handling of our modification repeatedly. No response except more document requests.     Furthermore, our asset  manager at Bayview has ig nored calls and emails asking for answers, and his supervisor has done nothing but say that just because we already uploaded the documents they are now requesting AGAIN to their website " does n't mean those documents shown on our website are in our actual system. It happens. '' Huh? And that 's OUR fault?     To be clear, the only reason we have not been put into review and modified is because they do n't want us to go into review because they would have to approve us. We qualify. We did before with  XXXX , we do now with  Bayview. Th ey seem hellbent on foreclosing on our home, not helping us. They have n't even offered an workout options like a short sale. We have are already lined up several real offers with real buyers with a realtor ready to submit in case we do n't get our modification, an d yet Bayview is p laying it that if they do n't put us in review WITHIN THIS WEEK they will foreclose with NO other options presented to us.     In conclusion :  1. We and Bayview al ready know we qualify for a HAMP Trial or in-house modification based on their own formulas.      2. Bayview in bad faith  has never put us into review by repeatedly losing our documents, and then after we provide them saying they need more. This because they do NOT want to verify our income or qualifications. Because they already know we qualify! They have the pay stubs, the  XXXX , the tax returns, etc.!      3. Bayview ha s at the same time pursued a dual-track strategy to foreclose on us in the meantime.      4. Bayview  has offered NO other workout options besides foreclosure, and refuses to postpone the sales date while they " gather more documents '' or provide other workout. They are hellbent on RUNNING OUT THE CLOCK, i.e., sell our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My Heloc was transferred from XXXX to Bayview Loan Servicing. I made additional principle payments of {$2900.00} to Bayview but they did not apply any of it to the balance even though it is reflected in the year to date portion of XX/XX/XXXX statement. The additional principle was made during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Bayview then flipped the Heloc to a company called XXXX XXXX who immediately transferred it to XXXX XXXX Bank. XXXX bank refused to look into my complaint stating that it was not their job to do Bayviews accounting. XXXX will not even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I graduated in XX/XX/XXXX from XXXX. XXXX had my loans. I requested in XX/XX/XXXX that my loan repayment plan be XXXX. I also wanted to enroll in XXXX. XXXX never changed my standard payment plan to XXXX. Now FedLoan Servicing has my loan for XXXX and state that I owe a payment on the standard payment plan. I should be on the XXXX plan. My interest is accruing everyday Since XX/XX/XXXX. I can not afford to pay {$2100.00} a month, I should be paying closer to {$320.00} a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: ERC
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:
On XX/XX/2020 XXXX XXXX XXXX. added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation