BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
From roughly XX/XX/XXXX through XX/XX/XXXXI had internet service with XXXX XXXX in XXXX, MA. Before installation, I was offered a promotion - I could pay up front for the cost of the equipment in order to avoid monthly rental fees and in exchange I would be eligible for a rebate for the cost a certain number of days later ( I believe it was 60-90 days ). I accepted the promotion, paid upfront, and later received said rebate ( see attachment ). During the entire year of service, all bills were paid on time. In XX/XX/XXXX, when I called to cancel service they charged me for my final bill, I paid the bill in full, and closed my account. Now, more than a year later, I am being contacted by a debt collection agency for equipment fees that I do not owe and debt that I am not responsible for.

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 2021-03-18
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:
This complaint is for VENMO the digital money sending app. 

They permanently disabled my account on XX/XX/XXXX. 

I have had email correspondence with them over a few days and 5 emails.

They refuse to give me ANY REASON why my account was disabled and they refuse to help me reinstate it. They said it violated their algorithm.

I have NEVER used their app to do anything except send money back and forth with my friends like the other 1 billion people around the world do. Not only is it totally unfair they just disabled me but to not tell me why or give me any reasons or notifications or be clear on what could have caused this is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Social Finance, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Sofi Lending reported that I applied for a loan, but all I did was check the possible rate, and the website said it would not affect my credit. Now, it 's showing on my XXXX report as an inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My complaint is in regards to PayPal. 

They have unexpectedly disabled my account stating " XXXX content '' which is completely absurd and false, and even though I am trying to talk to them to show them I do nothing of the sort they will not respond or help me whatsoever. 

They are also holding {$1000.00} of my money that I can't get out because of this. 

This is totally unfair, I have never done anything remotely close to what they claimed and they need to be held more accountable for how they disable people based on an algorithm that doesn't even look into things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Account Control Technology, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My phone number is XXXX XXXX XXXX XXXX. I was given that number 20 years ago as part of a family plan under my parents. That number has not been associated with my father in any other manner, and has not been a part of a plan which includes his phone number in over 15 years. However, I have received repeated phone calls from Account Control Technologies asking for my father, whom I am not in contact with. I have repeatedly told them they have the wrong number, and they have repeatedly continued to call after assuring me my name would be taken off their list. While I find their phone calls irritating, the bigger issue that I have is that by calling my number and asking for my father when they are clearly a debt collection / reconciliation agency they are disclosing or indicating that he is in debt, which should be his private information. They also continually call from variations of the same number, thereby making it impossible to block the number. I think they should be aware of this breach of privacy as well as the fact that they should stop calling me. They're also very rude and abrasive once told that they've called before.

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 2016-02-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am not sure if this is the correct forum to file this complaint, but I was told by my mortgage agent this would be a place to start at. My wife and I purchased a foreclosure home, from Huntington Bank, in XXXX, Ohio. We made an offer on XXXX XXXX, XXXX, and agreed to terms on XXXX XXXX, XXXX. Upon entering contract we were told we needed to have financing in place, and an inspection done by XXXX XXXX, XXXX. We obtained our mortgage commitment letter XXXX XXXX, XXXX, and were told we would be clear to close as soon as an appraisal was carried out. All that was needed was for the home to be dewinterized, and utilities to be restored. However the bank failed to notify us that the company in charge of this task was not acting on its responsibilities. As a result we listed our home for sale, and it sold within XXXX hours. We were lead to believe that the transaction was going as scheduled, and proceeded with the sale of our home. XXXX we tried to schedule inspections, prior to the appraisal, but they were delayed due to the lack of utilities, which we were told would be turned on within a week ( as of XXXX XXXX, XXXX ). However delays started to mount up, and by XXXX XXXX, XXXX, we were still waiting for the appraisal, with a closing date of XXXX XXXX, XXXX set on our current home and no way to delay the closing. On that sate I found out that none of the utilities had been turned on, and a new company would be brought in to rectify the issues. It was n't until I called the utility companies, on XXXX XXXX, XXXX, that I found that the bank had been delaying the turn on of utilities, and as a result delaying the appraisal and our closing. I was able to get the utilities turned on by XXXX XXXX, had the appraisal completed, and was told by my mortgage company ( as well as Huntington Bank ) that we would be able to close on XXXX XXXX, XXXX, once the documents were received. However Huntington Bank called on XXXX XXXX, at XXXX pm ( XXXX minutes before their title agency closed ) to cancel our closing ; leaving my wife, myself, and our XXXX animals homeless. We were not able to close until the following Wednesday ( XXXX XXXX, XXXX ) at XXXX XXXX. During this time I was unable to work, we had to board our animals, and we lost a number of deposits and food in the process. We feel it is absolutely outrageous that the bank was able to delay our closing, with little or no notice, while being in breach of a contract they insisted on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2022-04-10
Company: Valor Intelligent Processing, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX account was paid and settled through the debt collections refused to remove from credit report after being paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have attempted to call Chase about my credit card multiple times. I called them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On both attempts I have spent ~an hour trying to reach a live person and then being transferred to other departments, with no one picking up. I was charged the XXXX XXXX yearly fee, but I don't want the card. Chase will not allow me to cancel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Got behind on mortgage payment in XX/XX/XXXX Called and had a deferment plan set up for 2 months The deferment was suppose to be for XXXX and XX/XX/XXXX We paid the XXXX XXXX XX/XX/XXXX payment and have not missed a payment since XXXX of XXXX During the agreed deferment that was signed in XX/XX/XXXX XXXX pandemic took effect We faxed the deferment agreement but the office was closed because of the pandemic We were advised to send to another office that was open We did this So XXXX and XXXX was deferred as far as our agreement We received a notice saying because of covid we could pay no payments or partial payments until XX/XX/XXXX We did not send in any partial or late payments We paid our full payments early or on time In XXXX I called Rushmoore as our mortgage statement said we were two months behind I explained the deferment agreement that had been signed They then told me that no investor at this time was offering the deferment plan I explained that this was done before the pandemic I have had no success getting this problem resolved I finally talked to someone who went back and checked all of our communications She stated that in XX/XX/XXXX that we were given a 1 month deferral for XXXX I explained we had payed XXXX so no deferral was needed Finally after many months of trying to straighten this out I am now told that we did not get a deferral for XXXX and XXXX only for XXXX This still means I am 1 month behind This is not right I have the signed agreement that was agreed upon How can Rushmore do this? I have the signed agreement and faxed copy ( dated ) proving this was our agreement Just because Covid slowed or stopped their business operations I should not be penalized I have spent many hours on the phone I even sent in a copy of the agreement I will not answer any calls from them anymore Rushmore has my contact email this is the way I have told them I want to communicate I will not answer any phone calls as I need to have in writing what is being told to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX combined unpaid medical bills of my spouse ( separated, but not legally ), with my information, changed attorneys without proper notification, the new attorney received a judgement against me, garnished my check, and placed it on my credit report. Initially we countersued based on misinformation however we did not hear anything until the attorney change in which swift action and judgement had already occured. When we submitted a motion to the judge it was denied even though the information was not correct. Now I have a judgement and have paid the debt for bills that were not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband received a call stating that me, his wife owed a debt to Synchrony Bank in the amount of {$780.00} and that they came out yesterday to hand my some legal documents. I stated that was impossible as me and my husband was home all day and no one came to the door serving and legal documents. I asked what store was this with on behalf of Synchrony Bank and they stated they could not give me this information to protect them. I asked when was the account opened, but they did not have this information and told me it was closed in XXXX  I stated that why is not showing on my credit report for collections and why would Synchrony issue me more credit after that date/year and that it didn't make sense. I stated that I had to verify the debt before anything and we ended the call. I am very aware of my credit and try to keep it up to the best of my ability and I feel that they are lying about coming to my house to serve papers or whatever and this debt is probably extremely old. The stated that they work for XXXX XXXX XXXX which is a law office. The number give to me to contact was 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 2021-03-18
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company is XXXX XXXX ( Wheels Financial Group, LLC XXXX ). In XX/XX/XXXX I agreed to make payments but defaulted due to COVID. I made arrangements with them and account showed as Charged Off on my credit report. Account should show as Charged Off. Every two months ( In XX/XX/XXXX, now XX/XX/XXXX ) XXXX XXXX opens back up the account and it reflects on my credit as open again affecting me negatively. This time making my credit score drop 60 points. I file the claim through the credit bureau in XX/XX/XXXX about the status of the account being incorrect. It was updated back to Charge Off. Now XXXX, XXXX once again change the status to " open '' and it should be " charge off ''. Can they legally keep on changing the status of my account back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: NCP Holdings, L.P.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
15 U.S CODE 1861 ( b ) company did not tell me that they transferred my account and was not aware of the company that debt was sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Since beginning payments on my Navient federal student loan I have called the company multiple times to voice that I was struggling financially, with other debts, with employment, with mental health issues ( precipitated by the prior factors ). They usually swiftly urged me to put my loans in forbearance. I now, nearly 10 years later, owe more than what I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Exeter Finance Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
During this Covid-19 pandemic many people were laid off, fireworks furloughed, I happened to get furloughed. Although I'm furloughed I continue to make my car payments, maybe not in full but I pay more than half and have never been more than 30 days late making my car payment. Instead of this company trying to help it's consumers it is tacking on late fees & miscellaneous fees without any explanation of what the miscellaneous fee is or why during this pandemic are consumers even being charged late fees when we're already struggling due to the pandemic! My late fees ( {$180.00} ) & miscellaneous fees ( {$60.00} ) total {$250.00} on top of an already {$510.00} car note! I feel that while we're fighting this pandemic this company should be trying to help it's consumers not trying to make extra money off of people during this difficult time! This company hasn't done one thing to help since this pandemic except call everyday to state the obvious that your payment was due 3, 4, 5 days ago not 30 days, not 2 weeks but a few days! I will never deal with this company again & will tell anyone who will listen to NOT get any type of loan through this company! They only care about money & have horrible finance rates & practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, and XXXX XXXX ACCOUNT # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-03-18
Company: Consumer Adjustment Company Incorporated
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
TRANSUSION tricks consumers looking for their free credit score into paying for an annual subscription before you can see it by asking for a credit card number to verify your identity. I have asked them to refund and this is their response : INVESTIGATION RESULTS - VERIFIED AND UPDATED : The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity. 
We investigated this item, verified it belongs to you, and updated : Rating. Here is how this item appears on your credit report following our investigation. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Based on flawed analysis they have my credit score as XX/XX/XXXX ''. I've asked them to remove erroneous accounts to no avail.

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 2015-10-13
Company: Select Management Resources, LLC
State: NC
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Yes I have been with LOAN MAX for 2 years and I have paid them over {$8000.00}. I have been paying {$630.00} a month for the last 12 mnths and that total 's - {$7600.00}. Now this is just so wrong for this company to treat and do people this way when they are down and need help. I understand that I have signed a contract but at some point this is REALLY BAD BUSINESS AND NEEDS TO BE ADDRESSED!!!!!!!!!!!. I HAVE BANK STATEMENTS THAT WILL SHOW EVERY MONTH WHAT I PAID TO THEM LATE OR NOT IT IS STILL MONEY GIVEN TO THIS SCAM COMPANY. I WILL NOT STOP ADDRESSING THIS COMPANY UNTIL SOMETHING IS DONE THIS IS SO WRONG ON SO MANY LEVELS. PLEASE SOMEONE HELP ME ADDRESS THIS MATTER. LOAN MAX XXXX XXXX SC XXXX XXXX XXXXFRAUD!!!!!!

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 2016-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Bank Of America has reported my home equity as past due to the credit agencies. This is not correct, as the account has been paid as agreed. I believe the bank has committed fraud. 

SUMMARY OF EVENTS : The BOA refinance dept was contacted back in XXXX, XXXX to redo the loan on my current home equity loan with Bank of America. The loan was expected to expire in XXXX, XXXX. 

I was asked to provide information such as income, tax returns etc.., which has been provided to them. They acknowledge that everything that was required has been received. It still has not been sent to their underwriters, I am constantly on the phone with them to follow up, not sure what there incentive is to slow this process down, other than trying to put the loan in foreclosure. After speaking with other bankers I have been told that to do modification the account has to be past due, so they manipulated the process by reporting this account as past due, even though i have never missed a payment.

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