BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-07
Company: Paypal Holdings, Inc
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
After being a loyal user with Paypal for 7 years, my account has suddenly been imposed limit use in XXXX, 2015. I could n't get access to the my money in the account. During the 7 years, I always abide the policy of Paypal. I contacted Paypal immediately but was n't given any reason why the restriction was imposed. In fact, I was told by the agent that " There is no reason. We do n't want to serve you and recommend you use other service ''. I was further shocked as being told that any money in the account would be locked for180 days, and Paypal would contacted me then to give guidance for the refund. In fact, more than 180 days have passed but I have n't heard anything from Paypal. Emails to Paypal only bring automatic reply with general instruction. 

I consider it as a fraudulent behavior. Paypal has no right to lock my money for more than 180 days out of no reason and without even paying any interest. I request immediate refund and apology for its irresponsible and abusive behavior to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i have a checking account with bank of america, in My i was hit on my account ( fraud ) for {$700.00}, comanies i never heard about, talkin to my bank clain agent she said yes they are fraud and credetit me with XXXX Thern i got a new debit card and account #, thought i was safe until the beginning of this month. I receive XX/XX/XXXX checks on the XXXX each month, this month i receive it on th XXXX. What ido is pay ALL my bills, even ahead of time except my mortgage, which is done electronically on XXXX. I was hit with fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. for about {$1200.00}. I called the bank and started a clainm, it was denied, they said it dint follow a scammers pattern, so here i an with XXXX tomy name for a month, i have lupus and very serious pain from XXXX that XXXX dr 's can not diagnosis me, this is goin on 2 years. I went to see my branch mgr abd she helped with with a XXXX clain, i have the charges belowXXXX on XX/XX/XXXX for XXXX prepaid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX other XXXX was ther but i know they didnt pay it, i believe it was around XXXX i was making my claim i told the woman that i called these companies and they said i didnt even have an acount with them ... .I called next day to fraud mgr, who told me it was denied, i pleaded and told him im broke, he didnt care, i then opened another dispute claim, havent received papers yet, but i asked th mgr if i couldtalk to the investigators and tell them all i tried to do. They openened a hardhip case and that was denied, i am in pain 12 hours a day until i go to sleep, wake up and pains there, i asked the mgr if i could tak to them and he said no, the case is closed. I found you and i do believe ill be able to have a hearing or someway i could talk face to face ... With all this info i cant see how they turned me down. and most messed thing is they PAID all these companies on XX/XX/XXXX!!!!!!! leavin my mortgage there, next month ill be a month behind, Please help me, all this is the truth..If they pulled my other bill payin they would see my patterm and why would i wipe out my account ... .Thank you : )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21
Company: EQUIFAX, 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:
Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$0.00} {$5000.00} Payment Info Status Paid, was a charge-off Updated on XX/XX/XXXX Past due amount - Highest balance - Monthly payment - You've made 88 % of your payments on time for this account. 

Account is still reporting as an open account under the three agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: CBC Companies, Inc.
State: VA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: MI
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 cosigned for my XXXX on a loan. He got into financial trouble. He was embarrassed and did not tell me. 
I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.

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 2020-11-03
Company: EQUIFAX, INC.
State: MI
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 cosigned for my Son on a loan. He got into financial trouble. He was embarrassed and did not tell me.

I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
A foreclosure was started in the court system on my home XX/XX/XXXX and the other party dismissed XX/XX/XXXX without prejudice and the servicing was sold to Ocwen from Litton, Ocwen started the modification nightmare with me and finally realized it was way too long of time that had lapsed so here we are over XXXX years later and they called my work and left message for me to call them. I called them back they are telling me they want to work out a resolution with me that lien is pending and that I might not necessarily have to pay the full outstanding balance that I could try for a settlement which would be subject to approval? Are you kidding me after all this time, is this a joke. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I ask that the CFPB compel AES the servicer to respond to my XX/XX/XXXX feedback from my initial CFPB complaint # XXXX. 

And today I report two separate events that have occurred since the initial complaint. These events demonstrate the servicers continued pattern & practice of : XXXX XXXX XXXX XXXX XXXX loan modification terms that are in the servicers economic benefitnot the borrowers Modifying loan terms without borrower consent. 
Servicer disregarding borrower instruction then using their discretion to modify the loan terms. 

1. In XXXX of XXXX there was a presidential order pausing student loan repayments. AES the servicer contacted me making me aware of this option. At that time I was working and continued to pay my monthly obligation. Then I became unemployed in XX/XX/XXXX. At that point I contacted AES via phone call informing them that I was now unemployed and would not be paying utilizing the presidential order. They accepted my communication, and my payments were paused. I discovered more than a year afterwards that they place the loan in a Unemployment Forbearance instead?!?!?! 

2. This Unemployment forbearance was to end in XX/XX/XXXX. That fall I was required to reapply for the annual XXXX XXXX payment recalculation which was completed timely and correctly. I learn after the XXXX deadline that they did not underwrite my file. This accelerated the payment amount to be {$1700.00} for the XXXX XXXX monthly payment. On a phone call in XX/XX/XXXX, I corrected them ( which had no material differences from my initial submission ) so they could complete the processing of my XXXX application. They did process my paperwork and adjusted my XXXX to a new 2022 monthly payment of {$390.00}. At that moment AES was requiring me to pay the XX/XX/XXXX {$1700.00} payment. I spoke with an AES client services manager to correct the XXXX payment to be the corrected XXXX payment of {$390.00} vs the {$1700.00} amount. That manager responded that he would call back with a resolution. I received no calls or communication until late XX/XX/XXXX when I called in to AES. Then I learned that my XXXX payment was added to the outstanding principal via an Administrative Forbearance which added that XXXX payment to outstanding principle Additional thoughts Why am I not being disclosed nor required to consent to their terms? E-Signature technology is commonplace and should be utilized for all correspondence with the servicer. To this point I contend that their disclosure does not meet legal requirements and should void the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2022-07-09
Company: Lincoln Educational Services Corporation
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I paid XXXX to Lincoln Technical Institute. To find out now that the charges are false. And were not accurate. I would like Lincoln technical institute to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: UNITED SECURITY FINANCIAL
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my V.A. home XX/XX/XXXX under the XXXX. hybrid ARM. The United Security Financial Corporation or XXXX XXXX sent me a notice yesterday. They said under my contract my rates could increase to {$1000.00} according to my closing documents. Interest rates have begun to show a sign of increasing. I feel this is a deceptive practice. The rules with the XXXX. hybrid ARM are clear. My interest rate is locked in for 3 years. The rate can never increase any more than 1 percent per year. The rate can never go up over 5 percent. My initial rate was 1.75 %. My rate is subject to change on XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Diversified Consultants, Inc.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my account with XXXX XXXX in XXXX 2014. The effective date in my cancellation confirmation email was XXXX XXXX, 2014. Disconnect Order Number : XXXX. They continued to bill me for XXXX months after the fact ( XX/XX/XXXX and XX/XX/XXXX ). I confirmed with XXXX that my account was paid off in full when I canceled the account for XX/XX/XXXX. I just received a call from debt collectors today without any prior notice and they refused to let me speak with someone to XXXX to dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, requested a status update on a few disputed transactions for items not received from merchants I have open with them which have gone way over the 90 day completion date 2 days ago. On XX/XX/2022, I woke up to an email stating my account is restricted and requesting a picture ID and proof of address, which was sent over an hour after receiving the email. The email stated stated it was due to " recent suspicious activity '' on my account, which this bank will not tell me what suspicious activity. I only use this account for direct deposit of my employment checks and everyday purchases such as food or bill paying. I truly believe my account was restricted in retaliation to me asking about those disputes that had not been resolved after over 90 days. I think this was done just to give them more time to stall with the disputes. All of the money I currently have is in this account and I am unable to take care of my basic human necessities or pay bills because I can not access my funds it is going on day 5 of the account being restricted. They have no customer service phone line and do not respond to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Company did not respond to letter of inquiry concerning improper credit reporting notification.

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 2022-07-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Somebody fraudulently obtained an auto loan in my name I reached out to the company instead of helping me theyre trying to collect on the loan!

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 2022-07-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My student loans which were being serviced by XXXX XXXX have been transferred to XXXX ( as of early XX/XX/2022 ). As a result of this, my credit score ( as reported by Equifax ) is now indicating my student loan account as closed which has resulted in a significant decline in my credit score due to the decrease in the number of accounts. I am going to be applying for apartments soon and the decreased credit score could have negative impacts on my apartment search.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: AES/PHEAA
State: MS
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:
I am a XXXX in Mississippi. When I originally applied for my loans, I was told I could have up to {$17000.00} forgiven after I XXXX for 5 consecutive years in a XXXX school or highly qualified area. I am a XXXX and work in a XXXX. I will finish my 5th year of XXXX XX/XX/XXXX. I graduated with my XXXX degree XX/XX/2016. When I called to discuss, with FedLoan Services, what steps I need to take to begin applying for the forgiveness, I was told because I started XXXX school I have to XXXX for 5 MORE consecutive years from my most recent graduation before they will forgive anything. No one EVER told me this was a stipulation. They also never notified me of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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 XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been on the phone with Capital One since Friday trying to fix an issue with me sending a zelle payment. I have gotten mixed messages and no resolution. I have gotten error message from their app and online system and all their trouble shooting hasn't helped me at all. Instead, it keeps blocking me out. You would think that they have someone dedicated to zelle payments or have a dedicated contact with zelle but no. Instead they are telling me to reach out to my provider to see if they have a short block on my account. I have asked for it to be escalated to an executive team or the CEO or Chairman 's Office and she told me I would have to send in a letter for that. Wow, are we in 2022 or what? Mail in a complaint. The person I spoke with Saturday said she was going to escalate because the tech team doesn't work on the weekend. They never called me back so I called them back today and they took me around the same circle. So ridiculous and frustrating. They even told me to try something else like XXXX or XXXX. Wow! My money is with you and how do you even know I have access to those methods. This should be between you and your third party vendor to help me your customer. I need to get away from this bank but I have pending transactions. This is such awful customer service. I will keep complaining until someone hears my voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Jacob Law Group, PLLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm making this claim in reference to the abusive, deceptive, and unfair debt collection practices that I have encountered by Jacob Law Group , PLLC. Jacob Law Group , PLLC is clearly stating they are a debt collector, which is a violation under the Fair Debt Collection Practices Act 15 USC 1692f subsection 808. unfair practices. Jacob Law Group , PLLC has also violated me under 15 USC 1692b ( 2 ), stating that I owe a debt. I was violated under 15 USC 1692b ( 5 ), in which the envelope clearly displays language, not only was this a violation under federal law ; it's also a violation under the XXXX  XXXX XXXX Practices Act. The statement that I received from Jacob Law Group , PLLC reflects a positive amount. I have disputed all claims on XX/XX/2022 via certified mail with return receipt, Cease and Desist all future attempts in trying to collect on a positive balance. Further, more their claim is that this was an account with XXXX XXXX I contacted XXXX via certified mail with receipt requesting proof of claim and they sent me documentation that states ; XXXX automated underwriting system was unable to match my name, physical address, social security number and date of birth against independent third-party data. Jacob Law Group , PLLC has violated multiple law under the FDCPA, I'm truly loss for words. Jacob Law Group , PLLC willfully and knowingly there breaking the laws that Congress has set forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am XXXX on state aid I was suppose to get a free government phone from XXXX they sent me a bill 10 days after I received the telephone and I contacted them to tell them it is a free government planfree phone and free 500 minuets they transfered me and talked me in circles I mailed the phone back 2 years ago before the month was even up. I owe them nothing I was told it was a government program I signed nothing and they had their phone back in their possesion within 22 days I want them to remove this Scam off my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief