BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: Orion Capital Solutions LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX at XXXX MST I received a call from a XXXX at Orion Capital Solutions , he gave me some information about a contract/debt owed and then said he assumed that I wanted to take care of this. I asked if notification had been sent, he said an email had been sent. I asked if a letter had been sent to my po box , and he asked what good would that do as an email had been sent. I informed him I had not received an email and he started saying that I don't need to raise my voice. I calmly told him that I was not raising my voice, I just want to have a verification of the debt as is my right. He said he would just assume that I didn't want to take care of it then wished me good luck and hung up. He then IMMEDIATELY called my wife and left a very threatening message telling her how I was an extremely difficult individual and all I wanted to do was argue. He mentioned a property assessment report and verification of income. Then ended the message to her with " I apologize for the headache this is going to cause because your husband thinks he needs to talk to people in a certain way ''. I called him right after hearing that and he was angry and again hung up on me. I called him back again and he answered the phone with " What do I need to do to get you to stop calling me? '' He also said that I already told him I wasn't going to take care of this debt and there was nothing more to discuss. I never said that, I only asked questions. This is text book aggressive practices and trying to play a wife against a husband is extremely unethical, not to mention suggesting there would be future problems after telling her about property assessments and income to me suggests they are telling her it would be financial problems coming from this.

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 2022-06-09
Company: Synovus Bank
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Using my Synovus Bank debit card at the end of XX/XX/2022, a transaction was allowed through my checking account without my acknowledgment/agreement. 
I reported the transaction to Synovus who gave me several different answers between their customer service and local branch.

Over the course of several months, I was not kept up with the findings of Synovus, nor was my matter handled properly.

I was NOT alerted my temporary credit was reversed and I was charged for the fraudulent use.

I made multiple attempts at disputing this transaction and Synovus basically told me, too bad.

The level of incompetence with multiple answers and months on end for a dispute that should have been ruled in my favor a long time ago is no excuse for me losing my money I am entrusting this bank with.

Ultimately, all I am seeking is the refund of the {$69.00} to be returned to me. But apparently no one there wants to grant that to me to keep me a satisfied customer. XXXX, I will be more than happy to close my account with them and spread the word about their abysmal customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 while flying home from XXXX Maryland ; I received an email from XXXX Bank stating that I changed my email address. I then called XXXX and stated that I didn't change my email address, i then began to query and ask questions about the balance of my account. The employee stated an incorrect balance, I then asked about any unusual transactions, and the XXXX employee stated that two wire transfers went out in the amount of XXXX, and XXXX dollars to Bank of America. I then conveyed to the XXXX employee that I didn't authorize those transactions. I was then told to close my current account, and open a new account. I was then told to fill out an affidavit, and other miscellaneous documents to fulfill the prerequisites of the claim. I was then told that it would take 10 days to complete an investigation, and upon follow -up I was told it would take a month. I asked for a provisional credit so that i wouldn't be XXXX during the investigative process but was denied, subsequently on XX/XX/2022 i was contacted again by XXXX asking if i wrote a check for XXXX, XXXX i said no they then stopped payment on the check but whats baffling is this was the new account the Bank set me up with after my initial account was compromised. If I would have a receive an alert on the 2 wire transfers I would have stated I didn't authorize those, so know I have to wait on Bank of America to release those illegal wire transfers that came out of my account which I didn't authorize and I can not finish business projects because my assets aren't available to me. Please assist me in this matter. Thank 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
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 act XXXX. XXXX XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-08-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Case No.1 Date : XXXX Amount : {$130.00} ( USD ) Actions : Money Transfer made by PayPal XXXX through XXXX XXXX to send a Payment for Goods advertised by Small Business Website. 
To : XXXX XXXX and XXXX XXXX E-Mail : XXXX Case No.2 Date : XXXX Amount : {$130.00} ( USD ) Actions : Money Transfer made by PayPal XXXX through XXXX XXXXs to send a Payment for Goods advertised by Small Business Website. 
To : XXXX XXXX and XXXX XXXX E-Mail : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company repeatedly contacts me from different numbers from Texas, XXXX, Georgia, Pennsylvania, West Virginia, Virginia, Arizona. All of the day and night..7 days a week

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some one use my sears credit card on XX/XX/2014 for XXXX and now XXXX XXXX want me to pay XXXX. This charges wasnt mame by 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 explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: IL
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 act XXXX Account # XXXX, XXXX 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 2021-09-01
Company: JFQ Lending, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received the attached notification in the mail which is a clear violation of UDAP. I work in the industry at a Bank and am very familiar with XXXX XXXX XXXX new refinance program for clients with high DTI or low FICO, but this notification promises a potential cash disbursement of {$2400.00} ... what is that, the escrow account? Totally fake, this would make it a cash out and that is not what Fannie Mae is offering. They are offering to pay up to {$500.00} towards the cost of an appraisal if their is not a waiver, but in no way shape or form are they offering a cash disbursement!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I do not have a Wells Fargo account so this is some scam. 
Yesterday XXXX texted me this - WF Alert : The XXXX USD you spent at XXXX on XXXX XXXX has been authorized. You not? Click https : XXXX to dispute. 
Now today XXXX texted me this - Wells Fargo Bank Alert : We have currently restricted your access to Wells Fargo Bank Online Banking due to suspicious activity, visit : https : //www.wellsalerts.com/? Login

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 2017-04-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX   XXXX , based out of Pennsylvania has been a nightmare. I have had an account removed multiple times over the last 2 years and it KEEPS SHOWING UP. It seems like they 're just changing dates or doing something shady. I requested that they verify my debt, which they did n't, and it was deleted from my report. Since  XXXX  of   XXXX   this so called debt has been off and on my report on  6 seperate occasions. Yes, that is 6. It has   appeared as being placed into collections from  XXXX . It was also placed into collections by  XXXX   XXXX   XXXX . Each time, it was removed. Now, it is showing back on my report AGAIN and it is on my   XXXX   and Experian. I am sick and tired of dealing with the credit collection agency fire sale blowback. It is frustrating and causing me financial strain. It is my understanding that if a credit collection is to be re-inserted into a credit report, that I am to be notified by A. ) the collection agency. B. ) The credit bureau. That is a federal law, am  I right? Becuase I have not received not one  shred of mail from any of these companies in ages. I have not received a phone call from these companies. It just seems like they 're throwing it on, and when it comes off they try again ( without following protocol ). The laws are there to protect citizens like myself, and to be honest I feel helpless at this point. When does it end? How does Experian and  XXXX  justify just letting any credit collection agency post a collection onto a consumers report? Do they even verify? Because if they did, they would find it a little odd that this is now  the 7th tim e the same debt is on the same persons credit report in 2 years. Please, I need help and I am out of options.

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 2022-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 am an authorized user and have requested that XXXX remove CapitalOne acct ending in XXXX. They refuse to do so even though my report shows that I am an authorized and not financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Globe Acceptance, Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I co signed a car loan in XXXX. In XXXX, the person who was primary was arrested for drug charges and went to jail ; car was seized by the police dept and sold at auction. Remaining balance then came to me bc the origina ldebtor was in jail. I am not sure if they sued me or what happened, but my old lady friend who is now XXXX called Globe Acceptance ( mind you she isnt on the account and not related to me ) and she worked out $ XXXX payment plan. I started making payments in XXXX and have paid monthly until XXXX XXXX. In XXXX XXXX, I found out that they werent reporting to my credit on payments made and had as written off/bad debt. So i stopped the payments since it was bad debt and they original agreement for payback wasnt even between myself and the company, it was arranged by a 3rd party who wasnt asked or involved. Then they called me and the guy was super nasty mean of the phone saying they had jusdgement against me and they were going to garnish my business and take everything i had. I checked my credit and come to find out they reported me for not paying on my debt when they hadnt been reporting i was paying them. So it lowered my score even more. In the meantime, my office manager filed a dispute and asked for 6 months of payments back and we cancelled the card the automatic payment was being taken out on. Today, I called Globe Acceptance and they said {$1800.00} was refunded to my account. So i went to the bank and they told me no money had been credited to my account.They told me Globe tried to take a payment and it was denied. They reported no attempts to deposit money back to the card. So i called Globe Acceptance back and they told me that my bank, XXXX XXXX, had accepted the funds and they had my money. I went back to the bank again, again they reassurred me they dont have the money. I called Globe acceptance and they will not produce any receipt that XXXX received the funds but say it is my problem and now they added {$1800.00} back onto the original debt. Pus mind you, it is still on my credit as charged off-bad debt even though i have been paying for 4 years. XXXX XXXX insists they dont have the money and they wont produce any paperwork stating they dont have the funds. So i have paid {$1800.00} and someone has it - the bank or Globe and i am going to have to pay it all over again. I need help. They have never even went after the original loan holder, only me. It is not fair and now they are XXXX me out of {$1800.00} I dont have

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 2022-12-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent credit inquiry dated XX/XX/2021 in an attempt to get credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Paypal Holdings, Inc
State: CA
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. 

I have had a Paypal account for a good ten years plus now using my email : XXXX Today, I was REQUIRED to enter a mobile phone to access my account and I don't have one b/c I am XXXX  and find that using a mobile phone quite difficult. 

I telephoned Paypal customer service and spent 1/2 hour with them and they eventually hung up on me. 

If I can no longer access my account ; I would like to close it but I am FORBIDDEN from reaching to Paypal without logging onto their system and I CAN NOT b/c I do not have a mobile phone. 

Can you request that Paypal close my account or give me a telephone number for someone at Paypal who will not hang up on me? 

Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had this problem several times with Specialized Loan Services LLC. It seems that they are intentionally posting my payments late. I mail my payments after the XXXX of each month when my Social Security income is deposited in my bank account. My utilities and all other payments clear the bank on time, but Specialized Loan is seeming to be holding the payments until the next month is due. This time, they held my XXXX payment until the XXXX was due, so they put the XXXX payment on XXXX, thus saying my XXXX payment had not been paid. I called the company, spoke with someone, and this is what they tell me. They now say that I am two months due ; XXXX, and XXXX, when only XXXX should be due. From the statements, I am to mail payments to XXXX XXXX XXXX XXXX XXXX of XXXX, CA XXXX. However, I get a statement from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. It seems that Specialized Loan is intentionally doing this. This is placing stress on me mentally, physically, and financially. About 6 months ago, I had to pay {$380.00} something dollars to them because of what they say I owe when they are wrong. I can not afford to send them money that is not due. I am a XXXX year old single female who lives alone only on Social Security. Plus I have a XXXX XXXX for which there is not a cure. PLEASE HELP ME. I make copies of all checks, statements, and payments. I have talked with them, mailed letters, to no avail. PLEASE HELP ME. I am not sending a two month payment because it is not due. Only XXXX is due on XXXX the XXXX, and late by the XXXX, but they wait 30 days to say they haven't received payment when I know that I mailed the payment. 
I have checked my bank, and the checks would not have cleared, because Specialized Loan is holding payments. I also XXXX  remarks of some of their clients, and they are having the same problem. Please Help me. -- -- 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 2016-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XX/XX/XXXX, I decided to close my Capital One credit card due to issues with customer service. Capital One refused to do so, however. As of this writing, it appears that Capital One has still refused to do so. The first attempt was via telephone, starting at XXXX XXXX. The initial representative refused to close the account ( on which there was a zero balance ), as did the supervisor. Further, the supervisor refused to provide a NY address to which complaints and a written instruction to close the account could be sent. 

The second call, starting at XXXX XXXX was largely similar. I then tried to close the account via the website. Despite allowing virtually every other type of transaction, the website does not apparently permit the closing of an account requiring that to be accomplished via telephone. I can only assume this is part of an intentional strategy to frustrate customers who wish to leave Capital One. The third call was substantially similar to the first two, except that Capital One cut off the call when I asked to speak to a supervisor. 

The representative on the fourth call, after a few minutes, said that she would close the account, then told me it was accomplished, and promised an email confirming the closure. Thereafter, however, she transferred me to another person, who said the account was still open. This after more than an hour trying to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I lost everything I have save through a scam that was carried out on Coinbase. 
I have my money wired to Coinbase and used in a scam that resulted in losing everything. 
Coinbase charged me transfer cost but refused to protect me from being lured to some scam on the XXXX XXXX XXXX through their Wallet.

Company response to consumer: Closed with explanation