BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: SANTANDER HOLDINGS USA, INC.
State: UT
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:
Chrysler Capital is reporting a charged off debt amount that I just don't understand. My contract stated that I was supposed to be done paying my car however, we did end up putting an additional month towards the end due to a skip a payment option. However, my last payment to them was XXXXXXXX XXXX XXXX That is what the contract said and I don't understand why they continue to report a charged off balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed by Paypal on XXXX XXXX, 2020 with a balance of {$13000.00}. Paypal has stated that they will hold my funds for 180 days before releasing them to me. I understand that this is a standard policy for merchants who have received these funds as a payment for goods, as Paypal needs to allow the chargeback period to expire before releasing the funds to me. The money in my account, however, was not received as payment for goods. It was received as a peer to peer transfer, which is irreversible, and impossible to have a chargeback filed against. As such, Paypal would need to release my money immediately, as it is not theirs to hold by law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12
Company: Heartland Resolution Group, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting calls all day from Heartland Resolutions Group. They called me 6 times one day. Every time I answered the phone it would be dead air. I tried calling back to find out what it was about. I could only reach a voicemail box. I left a message asking them to stop calling me not saying anything. They continued to call the last call I got. The lady threatened to continue calling me which I consider harassment. She wouldnt tell me what the call was about or anything. They have been harassing me during my work hours calling me very early in the morning and it has become a major problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital One has been insubordinate during the entire dispute process for case number : XXXX. They have provided misinformation multiple times during the process, lied about what was needed to inform the customer of the dispute and are allowing a vendor, XXXX, to get away with scamming a customer with fraudulent services. On XXXX XXXX, 2022, XXXX with dispute customer services was insubordinate in meeting customer requests to speak with a manager multiple times. He refused to explain the incorrect information provided in letters from Capital One explaining why everything had been done as requested by Capital One to prove the outcome of the case. He refused to close the account. 

The item was purchased on XX/XX/XXXX, and posted on the XXXX, 2022. This has all been discussed in less than 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX is claiming that I owe them money when I clearly dont there services were on a month to month basis. I even paid them the last month bill and they sent me a bill asking for a specific amount once I told them that what you are asking is another month of service after I switched to a new car insurance because it was more affordable they said either pay us or we are sending you to collection and potentially hurt your credit and to me that is not fair. At all they are thieves.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Filed against : ReloaditXXXX XXXX XXXX XXXX CA XXXXComplaint Description : Theft of Money - {$900.00} total. {$500.00} in Reloadit 'Safe ' and {$500.00} on Reloadit card that I can not load to 'safe '. Claimed Tech Difficulties XX/XX/2015 - purchased XXXX reloadit cards for a total of {$1400.00} ( {$500.00}, {$500.00}, {$400.00} ) - After delay of having to try XXXX times to verify my card ( which had already been verified weeks ago ) Both cards for {$500.00} each finally loaded to my 'safe ' I was able to load only {$500.00} to my netspend card. When I tried to reload the remaining {$500.00} in my safe ... I get the error " experiencing technical difficulties, please try again later. The card for {$400.00} will not even load to my 'Safe ' - system says ... you reached your max of {$1000.00} for the day. XX/XX/2015 - still same thing ... can not get my money which I am critically in need of. So I researched the so called 'technical difficulty scam .... thus I am not waiting for months for a resolution nor to file my complaint http : XXXX Called reloadit.com, got run around that the reason my card would not load is because the XXXX card is rejecting it .... Called XXXX and I can load up to {$2500.00} on that card so just another game by Reloadit to steal my {$.00} In same call with Reloadit.com XXXX asked why I can not load my other card for {$400.00} to my " safe '', they said you can not load more than $ 1K a day .... Well I loaded $ 1K a few days ago and have tried to load my {$400.00} repack card everday, since with no luck. Also getting technical difficulties message which we know if fake ... The customer service person said ... let me go and check on that then never came back on line .... Instead got some cryptic message that meant nothing to anyone and then I was hung up on!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 3rd or 4th time this debt has shown up on my XXXX report since XX/XX/2019. I've fought it, disputed it, tried police reports and it continues to get purchased by new debt collectors and resubmitted. Why am I paying for a monthly service to protect and monitor my credit if XX/XX/XXXX continues to " deem the information as accurate '' when I have never lived in Louisiana? I have shown that I have lived here in Ohio my entire adult life yet somehow someone gets a hold of my information in Louisiana at XXXX XXXX somewhere in XXXX XXXX and they decide that it's " accurate ''???? Then when I speak with XX/XX/XXXX they leave notes about my previous complaint like they didn't do anything wrong? Its ridiculous and unacceptable that I continue to pay for a service yet I have to spend my time researching and fighting to clear my name when all they have to do is look at my billing addresses for the past 10 years and know it's not 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 2022-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
On all three credit bureaus, there is a Capital One account that is showing opened XXXX and closed XXXX. I have the last 4 of the account from my credit bureaus. Yet, Capital One shows NO account at all with the number I have, under my name or SSN. Capital One says the Credit Bureau should remove it - The Credit Bureau says it is Capital One who should. I've filed disputes in XXXX and XX/XX/XXXX- they do not respond to the issue, and only say the " account status is closed ''. I do not ask for a status- I ask for the account to be removed from my credit bureaus because my SSN isn't on the account! An hour plus on the phone and several phone investigations on XXXX, Capital One confirms the account isn't attached to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
During the mortgage crisis I had file bankruptcy to keep my home, and I believe that I was a victim of predatory lending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX I submitted a balance transfer from my XXXX XXXX to my My BJs Perks Mastercard serviced by Comenitu Bank in the amount of {$6700.00}. As of today ( XX/XX/XXXX ) Cominety Bank claims they have not received the funds. I have contacted BJs XXXX everyday since XX/XX/XXXX. And they still claim to not have received the funds. I have contacted XXXX and filed a dispute for {$6700.00} for the balance transfer amount. XXXX issued a provisional credit to my account of {$6700.00} plus {$200.00} for the balance transfer fee. Upon XXXX 's investigation they found that Comenity Bank did receive the funds and reversed the credit they gave me. I Contacted Comenity Bank and they told me they disagree with XXXX and that they never received the funds. XXXX sent me a copy of the electronic check showing the transfer was made and the funds were received. I'm sure Comenity Bank received the funds and have not credited my account. I actually have been dismissed by both XXXX and Comenity Bank. I just contacted XXXX and requested that they open another dispute for the {$6700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C System, Inc is trying to collect a debt for XXXX. I have never had a XXXX  account. It was proven and removed from from my credit report in XXXX of 2020 and now its back on there. I explained to the rep what happened and he still tried to convince me to pay it. I had to hang up on him because he became rude.

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 2020-03-16
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have six payments left with LC. My payment was due on XXXX and I am late paying it. I went on their website to see payment options and look at total balance. When I clicked on make a payment, their system automatically set up a payment for today 's date and said it will take it out of an account that I set up when originally set up loan. There was no option to cancel the payment. I received an email thanking me setting up payment when I never set up a payment. I simply clicked on make a payment thinking that I'd have an option to set up a date but it automatically set it up for the day you click on make a pyament. That is wrong! I will mail the payment and don't wish to do any further business with this company. THey are unscrupulous and shady. If you fall late they do shady things to get you to pay like what I have described above. I so look forward to being done paying them off -- -six payments to go but this is wrong. So I file my complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother died after contracting XXXX. Due to XXXX I was out of work at the time. I was unable to pay my rent and her back mortgage as well as her current mortgage payments. I reached out the mortgage company. They told me the house was already in foreclosure

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 2022-10-12
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection debt on my credit reports from MRS Associates on behalf of XXXX XXXX for {$730.00} as of XX/XX/22 ( date opened XX/XX/22 ). I have never had account ( s ) with XXXX XXXX or XXXX. I filed dispute with XXXX and XXXX as well as contacting XXXX XXXX XXXX on XX/XX/22 and filed fraud complaint/report they say the will look into ( I have not heard back as of yet ). I wanted to file this with CFPB to cover all of my basis everywhere I can as this debt is NOT mine. I have tried so hard to clear up my credit report and this is very concerning to me of this fraud incorrect 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
Consumer complaint received 2015-10-12
Company: GFS II, LLC
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had previously faced some hard times financially, and was in dire need of a vehicle. I was forced to finance through Gateway Financial Solutions, as they were the only lender willing to work with me. Because this lender deals with high risk borrowers, my interest rate was less than appealing by a long shot, but I felt that this was the only option available to me. I have since made a large progress on my credit and financial status, and feel that I should be allowed to clear up the matter with this lender. I have asked to be provided a " buy out '' option, and have not been offered anything. I have always made my payments on time, and they are slowly bringing the principal balance down. But the bulk of the bi-weekly payments ( due to the high risk that I previously was XXXX primarily get applied to interest. I am requesting assistance with this matter because I feel that the lender is not providing ethical service to me, by not allowing me to avoid the large amount of interest that will accrue due to the remaining time of the loan. This is striking as a predatory lending scenario simply because they targeted a vulnerable customer, and are profiting on my misfortune. This type of business practice should not be allowed. The vehicle itself when I originally acquired it, was not in the best condition, and has since required several XXXX dollars worth of maintenance that I have had to borrow in order to cover. Again, this is a predatory lending practice. I was provided a sub par product, at an even more sub par price and repayment option. I was not educated on the product or option that was offered to me, only expected to accept it and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent us first notice on a final bill from our sold Florida residence on XXXX XX/XX/2020. It was paid immediately, and XXXX XXXX confirms this. The balance is XXXX 

On XXXX XXXX, the bill was erroneously sent to Credit Collections Services, which XXXX XXXX admitted should have never happened. Credit Collection Services then proceeded to double the bill to {$870.00}, and refused to acknowledge that it had been paid. They have been rude and abusive to us. They reduced the balance in half, but it still remains at {$430.00}!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It is actually my cash app account someone hacked it and had seven transactions to XXXX  in New York in a matter of 3 minutes over {$1200.00} missing I live in Oklahoma I called and reported the problem XXXX minutes after it happened they said I would hear from a private investigator within 10 days never heard anything from anybody so I emailed them they responded with a we did not find any suspicious transaction or an error so your case has been dropped but what makes no sense to me is they said they block the person that did it so it couldn't be done anymore so if they block them how is that not suspicious activity I feel they didn't even try to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On the hire website for unemployment it says I got paid yesterday but j still didn't

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 2015-12-06
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XX/XX/XXXX, my home at XXXX VA.was officially closed ( Acct # XXXX old loan number, Va loan, XXXX XXXX , .-XXXX new loan number, FHA, Freedom Mortgage. Freedom Mortgage did a FHA refinance, but since I am a XXXX Honorably Discharged XXXX, I should recieved a Va refinance. I brought XXXX back on XXXX XXXX ( Va loan ) I want a refund from Freedom Mortgage ( FHA over pay ) from XXXX toXX/XX/XXXX for the FHA loan. I am XXXX years old, a senior citizen, and I feel that I was taken advantage of. 
On XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX Sales and Marketing Representative, Phone number XXXX, I had my new home home, XXXX XXXX XXXX XXXX, I had my new home constructed by this company. I was told by XXXX XXXX that based on my debt to income ratio, I had to rent XXXX in order to purchase XXXX XXXX XXXX XXXX. According to my checking account on XX/XX/XXXX I had, {$34000.00} in my checking account, so my finance statement was not a problem, and I was able to buy a {$240000.00} new home, from, XXXX XXXX. According to XXXX XXXX XXXX XXXX, a finance consultant with, Low Va Rates, Va Mortgage Experts- phone number XXXX, XXXX XXXX XXXX said if anything, I should have been told to do a short sale of XXXX But with about {$23000.00} in repairs and upkeep, and evictions since XX/XX/XXXX, selling sounds lick a better ideal. By the I want a {$23000.00} refund as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX and Transunion should not be reporting a collection/chargeoff, or that I am ( XXXX ) days late, on the US DEPT ED partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts are reporting a {$0.00} balance and {$0.00} due. I have paid these accounts IN FULL and therefore there is no outstanding balance to report as a collection/charge and/or late. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and these line items need to either be removed and/or updated to report correctly.

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 2020-03-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Filed prior complaints. Still showing me late on credit reports and won't fix. Can't get approved for new mortgage and they just increased my payment to {$1500.00}. They are over charging on payment and escrow. My payment is {$830.00} plus {$61.00} taxes and {$280.00} insurance Attaching copy of agreement.

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 2021-01-08
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2020, I filed a dispute with This credit reporting agency about the unverified collections accounts : Credit and collection services account # XXXX -- XXXX XXXX account # XXXX XXXX account # XXXX -- XXXX account # : XXXX - In XX/XX/2020, I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation