BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: First Data Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX XXXX 2017 I attempted to use my ADP TotalPay card to purchase a computer at XXXX XXXX in XXXX XXXX XXXX in Maryland. I wanted to charge {$800.00} on the card. At the time I had a balance of {$1800.00} of available funds. The card was declined. XXXX XXXX attempted twice and it was declined twice. I had to use my XXXX XXXX XXXX Check card to make the purchase. I contact customer service at the Money Network and was told they could find no reason as to why my card was declined and they apologized for my inconvenience. They stated I could transfer funds from the ADP card to cover the bank card. On XX/XX/XXXX, I processed the transfer of funds from my ADP card to my personal XXXX XXXX XXXX checking account in the amount of {$950.00}. My ADP card was charged {$3.00} for this transfer. On XX/XX/XXXX the funds had been returned by my ADP card ( less the {$3.00} fee which was not returned ). I called customer service and was told they were having a technical glitch and could not transfer the funds at this time. They once again apologized for my inconvenience. At this time TotalPay has approximated {$1800.00} of my funds and will not allow me to use the money as I wish. As it is they limit me to the use of {$1000.00} of my funds per day. I have accepted this limitation and tried to work within this limit but now their process of declining my transactions is excessive.

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 2017-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The specific problem is that via XXXX XXXX & Experian XXXXs XXXX XXXX scoring methodology, I saw my credit score drop from XXXX to XXXX in a very short period of 2 weeks, and when I called and spoke to a XXXX XXXX rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop ( XXXX XXXX 2017 score XXXX ; XXXX XXXX 2017 XXXX ; XXXX XXXX 2017 score XXXX ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely, 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 2021-11-13
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been dealing with Lennar XXXX? ( home builder and Mortgage company ) since XX/XX/2021. After many offers, I finally got a townhouse that would close on XXXX. I uploaded all documents that were required. On the site there were also documents for me to sign, they had my address and social security number wrong ( since XXXX ). We are 2 weeks from closing and they rip this house right out from under me because they are now saying that my Worker 's comp pay is not considered income. At the very last minute. I contacted everyone and nobody has the decency to respond. They did this to get a lot money, I know they did! This is unfair and unjust. They should have at least given me until my close date to find another loan. I was diligently working on trying to get another loan, they didn't respond at all to my pleas. My son was going to co-sign with me. XXXX XXXX from Lennar Mortgage sent a link for my son on Friday evening ( XXXX ) which would have been approved but on Saturday morning I received an email from XXXX XXXX ( Realtor for Lennar ) telling me that they were in the process of accepting another offer! This was so wrong!! My son didn't get to apply with me! They took MY townhouse from me!!! This is so wrong! And absolutely nobody will respond to an email! I sent everyone on the board and the sales manager, an email letting them know how I was treated, not a single response. I was treated unfair and unjust! I deserved at least until the close date to acquire another one.

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 2017-06-01
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my credit report, Cre dit Bureau of the South i s showing as a collection in the amount of {$70.00}. I sent a letter to them, which they received on  XXXX -2017, requesting validation of this account, bearing my signature, showing that I have some contractual obligation to pay them. They later responded to the dispute from a company called  XXXX   XXXX   XXXX . And only forwarding medical statements, and no signature was included. They also failed to mark my credit report with a disputed remark within thei r 30 allo wable days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Jim Bottin Enterprises, Inc
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have only been a member at this gym for two months and the gym has charged a {$75.00} dollar sign on fee along with a {$25.00} membership paid the first day. I received another unexplained charge recently in the amount of {$29.00} that was charged with a biweekly amount of {$25.00}. I went to my bank to have the unexplained {$29.00} fee reversed and they are still trying to collect a debt I don't owe adding another {$9.00} plus {$19.00} service fee added, just for a gym membership. I also discovered that the {$75.00} sign on fee I paid was than reduced to just {$1.00} for customers. I have not been a member long enough for all the charges added and price discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2001 at XXXX XXXX I transferred {$2000.00} via Western Union to the XXXX. I paid the transfer fee of {$30.00}. There is 12 hour time difference which takes it to XXXX XXXX XXXX time, XX/XX/XXXX. 
At XXXX XXXX my receiver in the XXXX went to pick up the money and was told that it has already been collected. 
I was supposedly the only one who has the tracking number to authorize the release of the money upon presentation of proper government picture ID. 
I spoke with customer service several times and argued that they improperly released the money and questioned them about the security of the tracking number. Each time I was given the same answer -- - '' they properly dispensed the money to the right person '' and refused to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls everyday, twice, three times a day. No message, no human, no recording, dead air. Never leaves a message. I do not know this company, there is nothing on my credit report for this company. But I am constantly being harassed by repetitive calls. I can not receive calls during working hours of XXXX - XXXX or my job is at risk, This needs to stop or they need to leave a message or a human needs to tell me what this is in regards to. Enough is enough. They don't seem to care who they are calling or if it's the correct person they are calling. Nothing

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 2021-11-13
Company: U.S. BANCORP
State: TN
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:
A " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card was opened on my XXXX XXXX insurance account XX/XX/21 by someone who was not myself as in the owner of the account. As US Bank is the provider of the " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card, I reached out to them Saturday XX/XX/21 in which I was informed there was a balance of {$19000.00} existing on the card. The US Bank fraud department representative said he voided the charges and locked the card. I myself would then receive a credit card in the mail ( along with documentation of the charges and account ) in which I would have to call the number on the card to officially close the US Bank account opened in my name.

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 2017-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The specific problem is that via   XXXX   XXXX   &   XXXX   XXXX   XXXX    3.0 scoring methodology, I saw my credit score drop from  XXXX  to   XXXX    in a very short period of 2 weeks, and when I called and spoke to a   XXXX   XXXX   rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop (   XXXX   XXXX   XXXX   score   XXXX   ;   XXXX   XXXX   XXXX  7  XXXX  ;   XXXX   XXXX   XXXX   score  XXXX  ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: The Bureaus, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I a natural person was issued a false debt in the amount of {$490.00} that is now reporting on my consumer reports. On XX/XX/XXXX I mailed a validation of debt letter demanding proof of claim. That this said alleged debt factually & legally belonged to me. I asked for a contractual agreement with my wet ink signature. They did not comply. But instead sent what appeared to be computer generated " bill statements '' from XXXX XXXX. The XXXX XXXX XXXXt back a large packet containing letters & symbols on the outside of the envelope, violation of 15 USC 1692 ( f ) ( 8 ). Which I have uploaded alongside this complaint. 

On XXXX XXXX, I mailed a certified letter to The Bureaus Inc demanding for them to validate the alleged debt that they claim I owed. Again they failed to comply & violated me in return. Sending another huge packet with symbols & letters on the outside and inside of the contents. 

On XXXX XXXX I mailed another certified letter putting The Bureaus Inc on notice of all ways they have violated me as a federally protected consumer. This company never validated this alleged debt they claimed I owe. However The Bureaus Inc continuously reported this alleged debt on my consumer reports damaging my reputation at the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have called to have information to be removed that is inaccurate. I have called to have information to be removed that is inaccurate on my report and Bank of America said they couldn't even find the account. 

This particular one is 6 years old.The account is with Bank of America- and they have been reporting it to the credit bureau XXXX as if it were open. 

The account it closed - They are saying the account is passed due and this is incorrect as this account has been closed for 6 years. 

XXXX reported it on XX/XX/2021 as Pays Account as Agreed with 90 day past due. 

How can I still be 90 days past due when the account says pays as agreed?

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 2017-06-06
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I 'm XXXX years old, XXXX and live on social security. I have contacted Navient student loans with prove of income and XXXX they continue to ignore me. I have filled out 18 documents, sent 18 letters, social security has sent prove of income. I live below povetity. Navient student loans harasses me continually no one reads documents sent or listen to me. My loan is 17 years old they keep raising the amount of orginal loan and raised now to {$70000.00} dollars. I 'm unable to pay this I only get {$900.00} a month to live on. I 'm struggling just to keep roof over my head. I may be homeless anytime due to not being able to make bills paid due to high medical and medicine. I have tried continually to work with these people and they continue to ignore my letters for help. I owe no property and am a widow alone no where to go for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CITIBANK, N.A.
State: CA
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:
Unauthorized Citi Bank Safeguard Debt Protection Fee Charges Total Charged Amount : {$1300.00} ( {$43.00} per month ) Charged Date : XX/XX/XXXX to XX/XX/XXXX Citi Bank has been charged a Safeguard protection fee for 30months which I have never applied for. 
Called Citi Bank in XX/XX/XXXX. XXXX to cancel Safeguard protection fee and requested a full refund. Safeguard protection fee has been cancelled as of XXXX, XXXX without any refunds. 
In XX/XX/XXXX Citi Bank sent me the letter stating that because my account was covered by the program benefits through the end of billing cycle in the month in which I cancelled, any previously billed fees are non-refundable.

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 2021-11-13
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXXBalance {$0.00} XXXXBalance {$83.00} XXXX  XXXX XXXXBalance {$0.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$990.00} XXXXBalance {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: EQUIFAX, INC.
State: TN
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:
Equifax is incorrectly reporting an account under the name " XXXX XXXX '' for the amount of {$17000.00} to my credit. The account number on my report is " XXXX '' with an open date of XX/XX/XXXX. I have never made business with this bank so I do n't understand why such a large past due amount is being reported on my Equifax file. I have filed disputes since XX/XX/XXXX to get this account deleted but Equifax has disregarded my disputes as frivolous and turned them away. I do n't understand how this is possible. XXXX and XXXX are not even reporting this information to my credit so this does not make any sense. In one of Equifax 's letters, a contact number was provided for this bank so I have called and spoken to their representatives more than once. My personal information does not match the details they have for the account. Something is clearly wrong and I need this to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Med-1 Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was making regular monthly payments to XXXX XXXX XXXX for medical bills not covered by my insurance. I believe it was in XXXX that I received a call from them stating that they could not accept the payments that I had been making and wanted more money monthly. I agreed to pay them a maximum of {$25.00} dollars monthly until the bill was paid. The following month I did not receive a statement and shortly thereafter I received a letter informing me that I had been turned over to REV 1 a collection agency.
I immediately called REV 1 and attempted to resolve it. On the first call I was led to believe that as long as I paid {$53.00} a month it would not show on my credit report. After speaking with my wife we thought it best to go ahead and do this even though it would put us in a bind with the other medical bills we are paying. I called REV 1 back and very straight forwardly asked that if I make these payments that this will not show on my credit report. At this time the representative told me that she could not guarantee that it would not. She attempted to lead me to believe at this point that if I could pay the amount off in 4 months it would not show on my credit report. Again I straight forwardly asked if it would and she could not guarantee it. So I told her that I could not make an increase in the payments without a guarantee. There is only one month that I did not make a payment to XXXX XXXX XXXX ( and then sent no statement ) and entered into an agreement with them to pay {$25.00} dollars a month and then they turned me over to a collection agency. I do not feel this is legal nor good business practice. I do not dispute owing them money but I do dispute them not honoring their agreement and turn me over to a collection agency without warning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I recently filed a dispute against PayPal due to one of the unauthorized charges to my XXXX XXXX   checking account for the total amount of {$1600.00}. Fortunately, my bank reversed this unauthorized charge. 
What happened was PayPal changed their policy and started to charge certain percentage of fees for all CANCELLED XXXX transactions as what happened to me. 
I sold a merchandise on XXXX on XX/XX/XXXX and received a payment of {$1600.00} including {$50.00} shipping charges. This money went into my PayPal account directly as it has been linked to my XXXX account for years. Next day before I ship out the item, buyer contacted me, requested me to cancel this transaction and issue a full refund, which I did with no other choice. 
I thought this transaction/fund/fees shouldve been reversed through my PayPal account as I did not withdraw any fund from it. 

Few days later, I was shocked to find out my XXXX XXXX checking account had been withdrew for the entire amount of {$1600.00} by PayPal due to their nonrefundable fees. I was glad my account had enough balance at the time ; otherwise, I would be paying overdraft fees as this is totally unexpected. I personally believe this is not a legalized practiced for any online business because they did not inform me when they changed their policy nor deducted money directly from my bank account without my authorization. I believe any % online transaction fees should've been fully reversed when it is CANCELLED within reasonable time. 
Im not sure when Paypal changed their policy because it was not how they used to practice. 

Now, they claimed my Paypal account has a negative {$48.00} ( incurred solely by the cancelled transaction fees ). They also limited all my online activities ; I can not even close this account without make the payment. Frankly, I do not believe I owe Paypal any money. 

Paypal is NOT operating fairly with their consumers.

Company response to consumer: Closed with explanation