BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-04
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I was XXXX in XXXX in XXXX XXXX and I received an email in XXXX that my Clearance was being Adjudicated, on XXXX XXXX, XXXX a list of the accounts was provided from my XXXX and I then learned one of the accounts involving a Ford Motor Account that had been reported as Charged Off by the Credit Reporting Agency. I was sent a picture of a Collection letter that was sent to my children 's home in XXXX NC, I called the Law Office on XXXX XXXX, XXXX and explained that I was currently XXXX in XXXX and had disputed the account with Ford Motor because I had requested that the account be adjusted for charges and fees paid in violation of the SCRA over the 5 year period I had been recalled to XXXX XXXX. I had been XXXX a few times during that time and had know idea that the account had be charged off or placed into collections, I also stated that I was very willing to pay the account in full, once the charges were adjusted according to the SCRA 6 % Limitations, and that last thing I wanted was for this to become a court case. She told me that the case was placed with the firms office, and they had n't contacted anyone about the account and as long as I was willing to work with them to get it paid, it would n't be filed in a court action. I had been calling the law firm office and was still waiting to hear back about the adjustments, but it was the XXXX holiday and I had n't been able to reach anyone for almost 3 weeks when a Default Judgement was mailed to the North Carolina address in XXXX XXXX. I was never told that a Complaint was filed and the only thing in the mail was a Motion for a Default Judgement without a hearing, there was n't a Complaint Filed that I can see and I did n't want to call the collection agency back after I realized that they had just been stalling me about the adjustments to the account. The judgement has been placed on my credit report by the Court, I thought that they had been notified about my XXXX and that I did n't reside in North Carolina, but a Clerk of Court through the documents filed with the Court on XXXX XXXX, XXXX away. I do n't think contacting the Court myself will help, and even a Attorney would be seen as my representative, and could give the Court jurisdiction. I ca n't afford a Attorney and I do n't trust the law firm who deceived me last year, so I 'm hoping contacting them through the CFPB will make sure I 'm not blocked by a Clerk and a Judge can Vacate the Judgement or Dismiss it. I 'm afraid this Attorney will drain my bank account or something else, she has been sending letter to the house in XXXX and threatening my family. I feel like I do n't have any way to stop this attorney from harassing my family except paying them, I do n't see why they did n't just let me pay Ford Motor in XXXX, is n't that what a Collection Agency does? I will not have any further contact with this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 USC 1681 ( a ) ( 1 ) Congress states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from any consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction.

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 2015-09-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Dear Sir or Madam. 

Would need your help on the following. 

PayPal limited my account permanently due to high number of claims with sellers. All credit cards stored under my PayPal account can not be removed according to PayPal rules. PayPal does not allow to use these credit cards in any transactions processed by PayPal done with or without logging into PayPal account. PayPal is still the only one processing engine for eBay. This limits my purchases on eBay because I can not use any of my cards with or without PayPal account. I asked PayPal customer service to remove my cards. The response I had is : " Thank you for contacting PayPal. While your account is limited you would not be able to remove your financial information. It is my pleasure to assist you. Thank you for choosing PayPal. Sincerely, XXXX. Protection Services Department PayPal '' PayPal limited my ability to make purchases on eBay by not allowing me to remove my credit card information. Is this legal? 

Please help. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have attached the complaint under the " Attach Documents '' section. It was a little long to try to copy into this box.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received a letter from American Express notifying me that they were changing the terms of of my Delta Sky Miles credit Card. They were changing the annual fee to {$99.00} on XX/XX/XXXX. The letter also notified me that if I didn't accept the new terms that I could cancel my card before XX/XX/XXXX and receive a prorated refund of my annual fee. I had paid my annual fee of {$95.00} on XX/XX/XXXX. I called their number provided and ( XXXX ) and cancelled my account of XX/XX/XXXX and requested my annual fee rebate. I have not received my rebate and have called their customer service numerous times only to be told that I was not due a rebate. I will attach the letters I received from them that support my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01
Company: Paypal Holdings, Inc
State: MI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Using Paypal, I was in the process of transferring funds between myself and two other customers to purchase bulk inventory of computer parts XXXX XXXX 2016. I have the same Paypal account for over 2 years and have done the same process in the past. This time Paypal decides to " trap '' the funds into the the Paypal account. Currently Paypal is holding {$2400.00} that is not theirs, that no is looking for except me. Their internal reference number for this fiasco is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Around XXXX 2012, when I attempted to use my eBay account to sell items, I was informed that I had overdue seller 's fee. At that time, I disputed the fees because in reviewing my account online. I could see that it was another person who sold the items. Ebay agreed with me at that time and cleared my account. The dispute and resolution happened by phone and email in my eBay account. My eBay account does not have the old emails and when I spoke with Ebay today they have no record of my dispute and resolution in 2012. Also, my account no longer shows that items fraudulently sold through my account and the seller 's information which helped prove the first time around that I was NOT the seller. So here I am three years later disputing the same fees again and can not provide the proof because eBay has deleted the information from my account. 

Their dispute and resolution process should NOT be only by phone or inside the eBay account. Their should be a process that allows me to write to actual address and/or use my regular email account, so that I the consumer can have a permanent record of my dispute and their resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
i added a credit card from XXXX XXXX to my paypal account to pay for services i charged to paypal, including lyft and uber. i had previously used a bank account from XXXX XXXX XXXX to pay for paypal charges. without notifying me that the XXXX card was not used, paypal charged XXXX XXXX XXXX approximately {$34.00} in expenses from XXXX and XXXX and i believe XXXX. XXXX XXXX XXXX returned the payments. paypal repeatedly billed these expenses to XXXX XXXX XXXX without notifying me, and as a result i incurred upwards of {$700.00} in overdraft fees. ( to add context, i learned during this time period that my father has XXXX, and i have been distraught, i do n't just not check my bank accounts as a matter of course ) i asked paypal for a letter to explain the situation to XXXX XXXX XXXX, which they provided, and i furnished that letter to XXXX XXXX XXXX, but XXXX declined to refund the overdraft fees to me. i feel that i have been swindled, as I was charged over {$700.00} in fees for less than {$40.00} in overdraft. were this a loan, it would be usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Flagstar Bank, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account with Flagstar bank. I have been a customer for about 6 or 7 years. I 'm a senior on social security, with a limited income so there often is n't much money in my account. But today I was charged for XXXX overdraft fees of {$36.00} each. The bank manager says he can only reverse XXXX of them. I called he main Flagstar banking support and got the same answer from them. My issue is that I have the Flagstar app on my phone. I check my balance Almost daily. When I checked over the weekend, I saw some " pending " charges that would post on Tuesday XXXX XXXX. The day after the XXXX XXXX holiday. 
So I deposited a check I had for {$150.00} so that those pending things would be covered. Well, it seems that the bank posts those first and so after the first or second pending item, the Overdraft fees kicked in and then of course all the rest of the items were rejected too. If the check had been posted first, there was money to cover everything I had pending. 
The bank refuses to help me with the XXXX overdraft fees is says it ca n't reverse. That 's {$210.00}. But my account is only {$130.00} overdrawn. So obviously it 's their fees that are causing the problem. I understand now, after speaking with them That things post on a certain order. If I had know that before, I had the check that I ultimately deposited yesterday last Friday. I could have deposited it then and avoided all of this. I did n't understand that it would happen like this. 
I 'm a senior. I do n't always understand the rapid electronic way that financial Institutions work now. I acknowledge that this is my error. But I have more than 2 weeks til My next social security check comes and a prescription that I need to fill Today or tomorrow at the latest. I have no way to make up the overdraft fees. The bank tells me not to worry, I have 30 days to " fix '' my account. These fees are about 15 % of my monthly income so just putting the money in the bank when I get my next check solves nothing for me. Then I am unable to pay other expenses or buy groceries next month? Not a solution in my opinion. 
I would appreciate any help you may be able to provide. 
Thank you so much. 

Item

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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity Theft. I did not give any consent to open any Accounts using my personal information

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 2021-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2021, I paid off my entire Chase XXXX Credit card. The next month I received a bill for the interest due on the previous month 's balance which was {$77.00}. I made a payment of {$60.00}. I was told today that the payment I later made in XXXX of {$50.00} was insufficient and that I should have paid the amount of the interest which was {$77.00}. When I called today to find out why the minimum amount due on such a small balance of about {$200.00} was so high ( {$77.00} ), I was informed that the entire amount of the interest was the minimum amount due. 

I feel this is a deceptive practice. I had paid off my entire balance in XXXX of several thousands of dollars. The entire amount of the interest should not have been the minimum amount due in the next month. This I feel is a form of retribution for me paying off an extremely high credit card balance with extremely high interest being charged each month when I had requested a lower interest rate given the fact that I had been a long-time customer of Chase Bank . Due to their data breach my personal data has been exposed to the " dark web '' ; one would think they would have a bit more compassion for their customers instead of demanding a scam-like minimum payment. 

On top of everything, when I called Chase Bank today around XXXX pm XXXX, and requested a supervisor, I was met with a very disrespectful attitude by a representative named " XXXX '' who was quite condescending in reference to my questions. When I asked to speak to his supervisor he told me there was no other representative XXXX asked the name of his supervisor he informed me that his name was " XXXX '', no last name. 

XXXX needs to make amends for exposing customers data to the dark web but instead it charges us exorbitant interest which, to me, is bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CITIBANK, N.A.
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank : 1. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : I attempted to send available money ( same amount money/same person ) via XXXX to a prior email address utilized, to no avail. 

2. I spent hours with the # XXXX number to Citibank representatives, asking for Supervisors or escalation. 

3. XX/XX/XXXX, via the web, I found " XXXX '' and emailed for assistance. 

4. XX/XX/XXXX, I attempted to send via XXXX ( same amount money/same person ) available money to a prior email address and received via email by Citibank " We've blocked your Citi Online User ID for your security. '' 5.XX/XX/XXXX, I sent to " Citi Executive Response Unit '' a request to Escalate to Citibank Corporate Office , please. 

6. XX/XX/XXXX, I called the " Citi Executive Response Unit '' # XXXX to be told I have to wait 15 days for a response or call the XXXX # for assistance. 

7. XX/XX/XXXX, I sent via email to the " Citi Executive Response Unit '' for a " Response request. '' 8. XX/XX/XXXX, " Citi Executive Response Unit '' representative ( assume ) " XXXX '' at # XXXX called my cell, and asked me " identifying questions '' on my account. I did not have my account # or debit card in front of me. I retrieved it, and gave her my account number and debit card number. After " identifying questions '' quickly she said, I can not identify you and must disconnect. I asked for more " identifying questions '' - " XXXX '' said no. I asked how am I to get access to my blocked account? " XXXX '' said call the XXXX #. " XXXX said she would email : a response to me, not specifying to my email or via bank messages.

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 2016-02-19
Company: American Credit Adjusters
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have no idea if this is even legitimate, my bankruptcy attorney told me this could be a scam. American Credit Adjusters keeps calling me saying I owe a debt to XXXX XXXX, and I 've committed check fraud. I do n't have a clue what this is, and if it was legitimately mine, it was in my bankruptcy filing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB, We have had intermittent difficulties paying our mortgage for about 5 years because we have been living on XXXX income and our second mortgage is an ARM that adjusts upward every year. 

We applied for a loan modification with XXXX XXXX XXXX XXXX Greentree in XXXX and again in XXXX. In both years, they had mentioned that we might qualify for a HAMP modification which would help to also modify our second mortgage. In both years they declined us for a HAMP modification saying that our mortgage debt to income ratio needed to be higher than 31 %. Using the numbers we submitted on the loan modification forms, I calculate that our debt to income ratio is 36 % so we should qualify. After the second decline I finally pushed them to explain to me how the ratio would not be greater than 31 % and they said they calculate this based only on the first mortgage payment - they do not include our payment amount for the second mortgage in our monthly mortgage payment. This is inaccurate and deceiving. How can the mortgage company be allowed to calculate our monthly mortgage expense without including both mortgages? And why are they deceiving us by asking us to submit our total expenses and both mortgage amounts when they only plan to use XXXX number in their calculations? Our second mortgage is much higher than our first mortgage so this difference in calculation is huge. We are now facing foreclosure on our second mortgage and they are not able to consider a HAMP modification because our first mortgage did not qualify us for this modification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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:
15 USC 1681 ( a ) ( 1 ) Congress states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 ( a ) ( 4 ) Congress states Equifax ( the consumer reporting agency ) has a grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction on my consumer report., Equifax is in direct violation to 15 USC 1681a ( 2 ) ( B ). Equifax violating Federal law is not fair, inaccurate, not equitable. I a federally protected consumer and a natural person does not find value with my consumer report. That is what accurate means. I do not benefit from this direct violation of federal law that is what equitable means. This is impairing the banking system and undermining my confidence in the banking system

Company response to consumer: Closed with explanation