BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-12-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TD Bank stacks transactions to their own advantage. Especially when an ACH withdrawal comes in the same day as a direct deposit - they will always charge a {$35.00} fee to pay whatever came in to be paid - even though the funds were available the same day the bill came in to be paid. When XXXX used my acct as a backup source for funding - it overdrew my account - a {$7.00} XXXX charge incurred a {$35.00} fee. Then the {$140.00} in fees from TD Bank cause my acct to be overdrawn which overdrew ANOTHER couple of small transactions ( like {$5.00} and {$16.00} all under {$20.00} transactions which incur a {$35.00} fee each ) - I literally paid more in bank fees in XXXX already than for any of my own purchases. There should be some kind of regulation that an NSF fee can not exceed the amount of the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: TX
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:
Submitting this CFPB complaint will be my 12th CFPB Complaint to be submitted requesting the exact same request over and over again for the last 6 months! When will the Credit Bureaus be able to remove the disputed accounts and information completely from my Credit report? Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File! However, despite the countless CFPB complaints and Dispute letters that I have been submitting, the Credit Reporting Agencies have not complied with the implied Federal statute and decided to ignore my requests. Since the Credit Bureaus have been claiming that the disputed items belong to me, I have been requesting copies of proof of verification or proof of ownership or any documents bearing my signature to prove the Credit Bureaus claims. However, these requests have also been ignored and yet the Credit Bureaus still indicate the disputed items as verified! Which is just ridiculous! This will be may last attempt to request to the Credit Bureaus to remove the disputed items otherwise I will be filing a lawsuit. Once again, I was a victim of identity theft and the following items which I believe to be resulted due to identity theft be immediately removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXXBalance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2015-10-31
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have had a Target Visa Red Card since XX/XX/XXXX.I never had a late payment and by XX/XX/XXXX I had a credit limit of {$5000.00} with a cash limitof {$2100.00}. In the beginning of XX/XX/XXXX Target lowered my credit limit to {$3500.00} and cash limit to {$0.00} with no warning, no letter, and no explanation. I called, the first rep was not helpful, saying they always send a letter, did not want to give me a supervisor or credit ananlyst, saying they would say the same things he did. I finally got transferred to a supervisor.She could give me no reason for the decrease, and she saw there had been no letter sent with notification or explanation. She noted I had recently updated my income. After lookin over my history she told me she could not reinstate the limit manually but it would be reinstated in the upcoming review. She indicated the review was soon. As of today XX/XX/XXXX my limit has not been reinstated. This is not the first time I 've had a credit supervisor in a company not keep their word about approvals, imcreases, etc. I did nothing to cause the decrease and was given no explanation or a letter before or after.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Venmo is a money transfer application that withdraws money from one bank account and deposits it in another. There is a social media element to it, as people can publicly post what the money is for. After the XXXX embargo was lifted, my boyfriend, sister and I thought it would be great to surprise my father with plane tickets for his birthday. I transferred my boyfriend {$400.00} to cover the tickets for my family members, referencing XXXX in in the post as to what the money was for. I received an email that my transfer was being reviewed per OFAC regulations - apparently the reference to XXXX brought up an issue for National Security. 
I replied to the email, stating that we had since decided, for completely unrelated reasons, to change the trip from XXXX to XXXX ( The XXXX tickets that were on sale, which we initially were going to purchase, would have put us on XXXX for less than 24 hours. We chose to visit a city in the US where we could have a FULL weekend instead- XXXX , GA ). However, Venmo representatives continually stated that they needed my OFAC license or a detailed itinerary before they could refund the money. I can provide neither of these things, because Im not GOING to XXXX anymore. Its been 6 days and they still have not transferred or refunded the money. It has been taken from my bank account, and is being held in limbo out of my control. Attempting to explain this situation, I have called the customer support center, but apparently the 'compliance ' department that reviews money transfers like mine is unavailable by phone. They can only be reached by email. I am frustrated that the emails request the same, non-existent documents over and over again and I have no other way to speak to the compliance department. The money has basically been stolen for an overly extended period of time, with no refund date in sight. I filed a customer service complaint with the XXXX, and tried calling one more time to see what could be done, but to no avail. It is for this reason that I am hoping the CFPB can help me. Please look at the methods and services being implemented by this company ensure that they review threats timely. This is not a National Security team ; its a group of venmo employees playing recklessly with funds that are n't theirs, and it should not be allowed to take place this way with no first hand information or contact available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This company bought my loan from another company while I was on a Covid-19 forbearance So shortly after they got my loan, I had already applied for mortgage assistance and was approved so while Im in forbearance this new company reported illegally that I was 120 days late. After I got on them about it, they promised they would remove it and my account be back normal in 30 days, well they lied its still there. I need ur help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I purchased a XXXX motorcycle  from a dealership. The default company to make payments to the dealer was Synchrony Financial. 

I made my first few payments with them for several months, before switching to XXXX XXXX for a better interest rate. XXXX XXXX sent me a check to forward to them. I forwarded this check in XXXX ( Which was cashed ). Several days later I receive a letter and the title to my motorcycle from Synchrony. The letter stated my lien was lifted and I owned the motorcycle. 

Now in XXXX, I am still getting called and sent bills from Synchrony after telling them to leave me alone. Ive spoken with XXXX XXXX to make sure I had a copy of this check which was cashed. 

I am not paying or responding anymore to this bank and would like to file a harassment claim if thats even possible. Theyve been nothing but unhelpful and lack simple communication skills.

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 2016-04-11
Company: Paypal Holdings, Inc
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Paypal.com in conjunction with a XXXX online order opened a " Line of credit '' in my former name XXXX XXXX XXXX billing me as Paypal Credit. The fees are high, as is the interest rate and as of XXXX/XXXX/XXXX I owe over {$100.00} on a purchase of {$41.00} made XXXX/XXXX/XXXX. 
The first customer service rep at Paypal told me that they do not have my SS # or birthday. Now a few days later, they say that they do. The advertising on the XXXX website for the paypal card is deceptive. 
Your agency nailed paypal for doing this with credit cards in XXXX XXXX according to XXXX Today. Now it appears they have found a way around the issues they were brought to court for and are issuing lines of credit instead. 
I have no paperwork from paypal stating the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I had to take out loans in order to attend school. I recently saw the following story on the XXXX. XXXX. This story states, " Navient, the nation 's largest student loan servicer -- and formerly part of XXXX XXXX -- was just hit with a federal lawsuit that alleges the company deceived borrowers to the tune of {$4.00} XXXX. Customers who took out student loans were hit with unnecessary interest payments, denied options to reduce their debt, and suffered damage to their credit scores, according to a lawsuit from the Consumer Financial Protection Bureau filed on Wednesday ... '' I feel I personally have been through this same situation with Navient. My loan was taken over by Navient in XX/XX/2009. The original balance was {$53000.00}. They asked me to make a payment of over $ XXXX/month. I explained to them repeatedly that I could not afford this payment. They told me I could fill out an income based repayment form which would bring my payment down to around $ XXXX/month. I told them this amount was not possible either. I have had XXXX children in daycare, XXXX dollars in medical bills and the other usuals of daily living. I simply did not and do not have the money. They tell me my only option is forbearance. They have refused to work with my on a payment. My current balance on my loans has now reached {$84000.00} because of interest. This is absurd to me. I will never be able to get this loan paid off if they do not work with me. I feel like it is a crime that they can so casually say that my only option is forbearance while they make nearly {$32000.00} in interest off my situation. I have told them repeatedly I do n't want to be in forbearance and I want to be paying on my loan but I need them to work with me. They refuse. What can I do? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Netspend Corporation
State: VA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Managing, opening, or closing account

Complaint:
EXTENSIVE WAIT TIMES TO GET A HOLD OFF MY ACCOUNT. THERE WAS NO EMAIL OR PHONE NOTICE OF HOLD ... ONLY FOUND OUT WHEN TRYING TO ACCESS MY FUNDS. 20 MINUTE, 24 MINUTE, 34 MINUTE WAIT TO GET TO THE RIGHT PERSON. THEY CLAIM TO HAVE INSUFFICIENT STAFF TO HANDLE CALLS ... S O WE DO NOT GET THE SERVICE WE ARE PAYING FOR.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Colony Brands, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My checking account with Huntington Bank, # XXXX, is set up to automatically make a payment every month to XXXX on XX/XX/XXXX. XX/XX/XXXX, my automatic payment was not made and no notification was given to me regarding the lack of payment. As a result, XXXX reported me to the credit bureaus as being 30 days late. I found out about the issue on XX/XX/XXXX and manually created a payment for {$120.00} to be send to XXXX on XX/XX/2016 ; so if you look at my history, XXXX payments went out on this day - the one I input the the normally scheduled payment. 

I had plenty of money in my account to cover the {$120.00} payment on XXXX, but even if I had n't, Huntington bank should have at least notified me of the issue. I talked to XXXX and because I had never been late on a payment before, they waived the late fee, but I was still reported as being 30 days late. I need my credit reports fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Westlake Services, LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a vehicle repossessed that was no longer past due. According to federal law 15 U.S.C 1692f this is a violation. I submitted a case with cfpb in 2016 regarding this issue. The creditor sent documentation in their response which show the account was no longer past due, yet the vehicle was repossessed because I did not answer their calls. The account was 1 month past due and payment was received { XX/XX/2016  } 3 days prior to the repossession letter being sent { XX/XX/2016  }. The creditor also sent a breakdown of the payments showing my payment with the late fee posting prior to the repossession. CFPB, unfortunately, offered no assistance in 2016. Now the creditor is reporting the account as charged off month after month in an effort to further reduce my credit score. I never received paper work after the vehicle was sold and the balance at the time of repossession is the current balance on my credit report. It appears that the vehicle was never sold.

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 2015-11-23
Company: ESCALLATE, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got hurt at work XXXX in XXXX 2015. I went to XXXX hospital. I filled out all of the workers comp paperwork while at the hospital and also gave copies to my employer at the time. I am not responsible for these bills and they keep calling and harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: NC
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-11-13
Company: POPULAR BANK
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Loan Insurance Fee Scams ( XXXX ) Companies : Financial CorporationInstant Phone Cash XXXX XXXX XXXXE-Loan IncXXXX XXXX : 25 times per day per phone lineNotes : automatic recorded voice messageFunding : XXXXLocation : XXXX XXXX XXXX service : rude and request bank account informationRequest debt not owedNever sent funds for {$23000.00} {$10000.00} {$3000.00} {$4000.00} $ XXXX XXXX XXXX XXXX XXXXDebt : $ XXXX/monthTerm : 36 monthsRequest bank account informationXX/XX/2015 XX/XX/2015Company phone numbers : Representative : XXXX XXXX Email addressDown payment on loan : {$730.00} up frontEmployer : XXXXConfirmation : XXXXDirect Contact number : XXXXXXXX XXXXconfirmation number : XXXXContact number : XXXXDebt : $ XXXX/monthTerm : 22 monthsXX/XX/2015 XXXXRepresentative : XXXXDirect lendingLoan : $ XXXXDebt : $ XXXX/monthRefundable loan insurance : {$150.00} up frontXX/XX/2015 XXXXReported Companies Telephone Numbers To CFPB Via XXXX XXXX ( XXXX ) XXXXunknown/privateFri XXXX/XXXX/2015 XXXX XXXXELOAN XXXX XXXXXXXXXXXX XXXX HELLO, YOU ARE APPROVED FOR A LONG TERM PERSONAL LOAN. 
MINIMUM {$5000.00} AND MAXIMUM {$25000.00}. 
YOU DO N'T HAVE TO PAY ANYTHING TO GET THE LOAN. 
YOU NEED TO HAVE A PROPER BANKING CHECK-IN/BUSINESS ACCOUNT. 
YOU NEED TO HAVE ONLINE BANKING FACILITYYOU NEED TO PROVIDE XXXX COPY OF IDENTITY PROOF AND XXXX PASSPORT SIZE PHOTOS. 
YOU NEED TO REFER LOAN APPROVAL PAPERS CAREFULLY. 
YOU NEED TO PROVIDE US AN ELECTRONIC SIGNATURE. 
WE DO N'T WORK WITH PREPAID ACCOUNTSIF YOU ARE REALLY IN NEED OF QUICK LOAN AND YOU ARE SERIOUS ABOUT THIS LOAN APPROVAL THEN PLEASE CONTACT ( XXXX ) XXXX, XXXX XXXX XXXXE-LOAN INCUNITED STATES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This agency continues to report a debt that I do not owe. Although they responded to my dispute of this erroneous account, they did not provide proper validation. The correspondence that sent me is from an address that they are not bonded to collect in Texas at. They continue to use this address illegally.

Company response to consumer: Closed with explanation