BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: LoanCare, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The real estate taxes were not paid for XXXX or XXXX. {$1000.00} was taken out of our escrow account in XX/XX/XXXX, but the XXXX XXXX Treasurer never received the payment. {$1000.00} was taken out of our escrow account in XX/XX/XXXX, but the XXXX XXXX Treasurer never received the payment. 

I have called, emailed, filed tickets for 'payment research ' inquiries, and we have not heard anything back from Loan Care. I always have to initiate the contact. 

XX/XX/XXXX Representative XXXX let me know that there had not been an investigation started because they did not show that the taxes were delinquent. I added documents to the online account to show the tax bills as well as the statements we received from Loan Care showing that they had taken money from our escrow account. 

XX/XX/XXXX I emailed the payment research department with a request to open an investigation. I was told that there were notes in our account from XX/XX/XXXX that showed we had no delinquent taxes, but when I checked the website myself, it DOES show that no taxes have been paid for XXXX or XXXX. 

XX/XX/XXXX I was told the specific check numbers for the payments, however no one ever followed up with whom the money went to. They were supposed to see who endorsed these checks or if they had even been cashed.

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 2021-03-26
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
PayPal close my account for no reason at all. I had done nothing wrong and had used their account as I was supposed to yet they suspended my account and put a hold on my money that is in the account for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was charged additional money for an unfair reason XXXX XXXX added to my morgage I never missed a payment

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 explanation
Consumer complaint received 2022-03-23
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: Was not notified of investigation status or results

Complaint:
I have noticed many unauthorized INQUIRIES appeared that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these Items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I received this letter in the mail written by Capital One at XXXX  XXXX XXXX XXXX XXXX, Utah and my replacement card is on hold and when I called the number in the letter and did not have an extension number they hung up.I have no way to make a copy so I will type it here. 
It is dated XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX XXXX card Cade no. XXXX Dear XXXX XXXX XXXX We have placed a hold on your Capital One credit card account. It is important that we speak with you as soon as possible to clear up concerns we have around potential fraud. 

Please call today so that we can work to resolve this issue for you. We can be reached at XXXX XXXX XXXX o the number on back of your card anytime seven tdays a week. It you have spoken with us about this, there is no need to call again and you can ignore this letter. 

Sincerely, Capital One customer Fraud Protection. 

When I called this number they asked for an extension which I did not have. 

Therefore I am still without a card. 

I am not paying someone without a bill like this. Could you get me my card. They wrote me and I received this letter but have no communication with them. I do not have a card any longer to call the number on the back and my number was XXXX. This is a number on this letter of a card I never had in my possession. The card was not stolen but lost in the house on the floor and I found it but by that time the card was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Information belongs to someone else

Complaint:
SOMEONE STOLE MY IDENTITY AND OPEN A CREDIT CARD ACCOUNT IN ATTEMPT TO CREATE MORE CREDIT LINES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
on XX/XX/2016 I went into Walmart to purchase XX/XX/XXXX decorations. During checkout the clerk informed me that I could get XXXX % off my purchase if I applied for a Walmart credit card. I agreed. I put my personal information in the terminal and he took my drivers license and input my information into the check out. I was approved and was then told I would receive a XXXX % discount on my purchase, instead of {$50.00} off. Once the purchase was completed {$150.00}, I did not see the XXXX % discount and was told it would show up on my statement. I received my credit card and my name was posted wrong. It listed my last name first, my middle initial was for my first name and my middle name was posted as my last name. I received my statement and received a credit for {$22.00}. I called the customer service center to complain and I was told there was nothing they could do. I informed them that my name was spelled wring and requested assistance to correct it. I was informed to fax a copy of my license to a number and it would be corrected. During the interim, I used the card. On XX/XX/2016 I tried to use my card at XXXX and Walmart and it would not let me complete the transaction. I called Walmart customer service and was told that I was told that the first time I called the representative should have allowed me to select a PIN and that I can not use the card, because the deadline have passed and they would now have to mail me a PIN to use the card. The problem that I have experienced is that I was not disclosed, or disclosed wrong information - otherwise, I would not have applied for the card. I was also put in embarrassing situations without being told that I needed a PIN to use the card. 
Thank you for any help that you can offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's www.conns.com has been calling me everyday for a total of {$120.00} on a washer and dryer I 've been paying on for 2 years. I only owe {$120.00} to pay the entire account off. I have told their reps I get paid on the XXXX of this month and would pay it off. They continue to call me from different numbers ( dialer ) MULTIPLE times a day. Today alone, they have called me 12 times and it 's XXXX. They start right at XXXX. I have told them I am filing a complaint and they say " Ok, but the calls will continue until a payment is made '' This is n't just today. They call me up to 15 times EVERY DAY and it 's harassment!!!! Especially when I 've told them I would pay the entire account off on the XXXX. 15 times in one day is EXCESSIVE! I would like to file a formal complaint against this company and their idiotic collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I financed dental work through Care Credit which has a " no interest if paid in full '' by the time limit financing. I was one day late paying the minimum due in XXXX, 2015 and was charged a {$25.00} late fee. Every month since then, Care Credit has charged a {$2.00} per month interest charge ( 26.99 % interest ) on the {$25.00} late fee.The late fee was submitted as an additional amount for the minimum payment due, but Care Credit continues charge the {$2.00} per month interest charge on the late fee. I have now paid {$18.00} for the {$25.00} late fee. Very deceptive practices going on!

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 2023-04-16
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Act # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Act # 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 2022-07-18
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
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:
I had a joint account with pentagon credit union with my wife in 2018 we divorced, sold our home, and paid all of our credit cards off I wanted to close the account out but pentagon assured me i could just be removed from the account. we talked and i asked for an email with evidence of it to make sure. 
i was sent an email the day of my removal with a balance showing i did talk to them, i also was removed from most parts of it but they missed one thing. 
later on i noticed it on my credit report, i called many times, they said they couldnt find any link of it so i submitted for it to be removed from XXXX twice but they Pentagon then would say i am part of it. 
my ex died recently and then i get a call from pentagon saying im on the hook for it, I have called many times since and keep running into issues. 
the second before the last time i called, a lady finally found me linked to the account but her supervisor told me tough luck even though i explained the chain of events. 
the last time i called they wouldnt talk to me till i submitted my id cause they couldnt verify my date of birth when i called. 
this is stressful and i feel powerless to do anything outside of spending a ton of money to prove this isnt fair so my credit score isnt killed completely cause they are dinging me for late payments since her death.

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
there are several inaccuracies on my reports that are detailed in the letter attached

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 2019-05-11
Company: EQUIFAX, INC.
State: WA
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:
Please Know that I have sent certified mail letters to all three major credit bureaus for a consistent 18 months ; XXXX, Equifax and XXXX. 

Incorrect and erroneous information continues to appear. I continue to be denied for housing to basic additional credit. Specifically : * A paid-off car that I haven't owned for over four years * Collections which are not mine and were proven that I have experienced identity theft * All credit cards have been paid-off * All car debt from the past year has been paid-off * All student loans have been paid consistently for over two years, despite incorrectly showing 'default ' and loans which were clearly consolidated.

Do know that I have sent final notices to all the bureaus with the intent to sue them in small claims court due to all the problems that they have wrought! I have followed the procedures, yet continue to be ignored. Further information includes incorrect names and addresses.

Why do these entities have no recourse from the government? Why aren't they held liable for the damages they due to people by continuing erroneous and incorrect information? Penalties and fines must be imposed with further accountability. People should NOT have to be subject to the games they are playing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX offered bonus miles ( XXXX ) for opening a Citi Bank credit card. Card approved XX/XX/2022 and used the next day. The offer required me to spend a certain amount over the first 3 months and I wasn't sure if it was {$3000.00} or {$5000.00} miles so I called to check. I was then advised the if I had a card in the previous 48 months I would not receive the bonus. 

If I did not qualify for the offer I believe I should have been informed prior to acceptance and given an option as to whether to continue the application process.

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 2021-10-31
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My PayPal account associated with my email XXXX '' was limited on XX/XX/2021. At the time the account was frozen there was {$830.00} in the account. I was told repeatedly by PayPal that the money would be held for 180 days and as long as I did not have any chargebacks or cases opened against me, it would be refunded. PayPal even admitted on XX/XX/2021 in response to a case that I opened against them through the XXXX  XXXX  XXXX  ( screenshot attached ) that The money belongs to you and that its being held in reserve to cover and disputes or reversals that may be filed against you. However, contrary to their repeated verbal and written promises, when the waiting period passed and I did not have any of these types of claims filed against me, they still kept my funds for damages they had incurred. ( screenshot attached ) It is my argument that PayPal did not suffer any monetary damages as a result of my use of this account and have no valid claim to this money. 

Furthermore, PayPal currently has suspended and put the same hold on another PayPal account that I have under the email XXXX in the amount of {$2700.00}. They told me the same, that my money would be released after 180 days and I am concerned that they again, will not keep to their verbal and written promises. 

This money is rightfully mine as PayPal stated. No claims are or have been opened against me by any other person or business that I did business with via PayPal. I am asking that the CFPB to help me in forcing PayPal to release my money from both accounts in the amounts of {$830.00} and {$2700.00}, for a total of {$3600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I pulled my credit and found a XXXX account on it and that the company Convergent reported it to my credit. We had the service about 6 years ago and when we moved from XXXX to XXXX we sent the equipment back to XXXX in the box and label that THEY provided to us. I am now trying to buy a home and can not because this account is on my credit. I do not owe this money as we complied with the terms and equipment return process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company Portfolio Recovery at XXXX XXXX XXXX XXXX, VA XXXX has been reporting an alleged debt to my credit report. I do not know this company and have never done business with them, they could be anyone trying to get money out of me. I've never done business with them and they don't have a contract with my signature. 

I've asked them to please provide the following information within XXXX days and they have not done so : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
USAA Bank contacted me to let me know that they " accidentally '' reported my ( on time/current ) car loan as 60 days pays due. I've worked hard to achieve and maintain a 800+ credit score and am stunned that something like this would happen. USAA stated they will provide an update to the credit bureaus but that it can take 60 days for it to reflect. This could severely impact my ability to get a loan if needed OR cause me to a pay a higher rate of interest than I would otherwise qualify for. USAA should be held accountable for this mistake.

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 2015-04-22
Company: Convergent Resources, Inc.
State: FL
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:
I arrived to this country on XXXX/XXXX/XX/XX/XXXX and XXXX is trying to bill me a debt dated on XXXX/XXXX/XX/XX/XXXX owed by a person named like me but not in my address. The difference is in the apartment number. XXXX already opened a collection using XXXX collection company that I solved last XXXX, XX/XX/XXXX when I contacted XXXX and sent to them all my information. It is supposed to be solved when XXXX XXXX sent back the wrong information to XXXX. Now, collection appeared again in my credit report but now XXXX issued to Convergent Outsourcing. I sent my personal information to XXXX and I told them about their mistake but they sent to me a form of Identity theft and they asked me to send them back a police record report, as if someone had used my information, but this is not the case. They do not take on their mistake. At the end, I did n't accept that. Why do I need to spend my time and my money getting that documents when they made the mistake. I do n't know how or why this debt was linked to me, and how XXXX got my personal information because I never have had an open account with them. They did a bad job and now I have a collection in my credit report that have been affecting my credit score almost 2 years. I wanted to sue XXXX but it is a hard process. The error is so simple and solution is so simple too, that 's why I do n't understand why XXXX ca n't fix it. Please if you know how to solve this problem, I would like to know. 
Best regards

Company response to consumer: Closed with explanation