BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-17
Company: Second Round Limited Partnership, Austin, TX Branch
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent several certified letters to Second Round Lp./ XXXX XXXX XXXX , disputing a debt that was placed on my credit report. A direct violation of 15 U.S. Code 1681s-2 ( b ). In XXXX of 2018 I contacted XXXX XXXX XXXX in regards to information placed on my credit report, requesting that the company furnishes documentation according to 15 USC 1692g ( 4 ) my last letter being sent on XX/XX/18 certified mail. As of XX/XX/2018 I have not ; on XX/XX/18 I received information that Second Round Lp/ XXXX XXXX XXXX has again reported information to the credit bureaus damaging my credit reputation. Second Round has closed an account, however has failed to delete it in accordance with 15 U.S. Code 1681s-2 ( b )  ; this company continues to violates me and FDCPA ; and its many laws. This is unacceptable to say in the least. I DEMAND THIS COMPANY DELETES THE INFORMATION THEY CONTINUE TO REPORT THAT IS NOT IN ACCORDANCE WITH THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Mr. Cooper Group Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In late XX/XX/2021, I received notice that Mr. Cooper had purchased my mortgage loan from my previous lender XXXX. 

The notice indicated I was already in arrears. I had made my mortgage payment to XXXX in XX/XX/2021. 

My XXXX  account was in surplus of 2 months in advance, plus the XXXX payment. 

I contacted Mr. Cooper immediately to contest the alleged late payments. I was told that any pending payments would be credited within 30 to 90 days. 

I continued to make monthly payments. 
Multiple phone calls and emails and complaints were made to Mr. Cooper without response. 

I provided them with the information from XXXX, including the delivery number for the overpayments. 

No response. Over the course of 9 months, multiple complaints were made with no response. 

In XXXX XXXX and XX/XX/2021 Mr. Cooper placed derogatory statements on my pristine credit report. 

I have sought resolution without response, in XXXX, I contacted Mr. Cooper again, and after a lengthy wait a customer service representative advised me correspondence had been sent to the wrong email account. 

Additionally, she reported the Mr. Cooper mailbox, ( which they created and was used for all communications ) was not used by Mr. Cooper for communications. They placed important correspondence in an obscure place on their website, under a tab called Miscellaneous. 

In the interim, no effort has been made to respond or amend the deficiencies reported on my credit reports, and the account has not been credited with the overpayments. 

This are blatant and negligent attempts at fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my loan 3 years ago. I have never received a statement during this time frame and thought I could only make my mortgage payments on line. Each time I made a payment I was charged an extra fee of {$5.00} to {$10.00} each transaction. There is no where on the web site advising me of my right to mail in a payment and not have to pay the extra fee. I have been trying to reach customer service for a mailing address and so far have been on hold for over 2 hours and it is XXXX. ( open till XXXX per web page )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a business checking account at Fifth Third Bank on XXXX/XXXX/16 with bonus offer that was supposed to give me {$400.00} for depositing and keeping {$5000.00} balance during first 60 days and making XXXX debit transactions. I have completed these requirements, but have not received any bonus. I contacted my local branch and they confirmed that I have met bonus requirements, but have not received the bonus due to glitch in their system. They said they would escalate this issue to the regional manager and it should be resolved. However it has been more than a month since then and no bonus is issued. I tried to contact my local branch many times, each time they said that either " somebody is on vacation '' or " somebody is too busy '' and promised to resolve soon. Now they do n't even return my phone calls. It looks like they are not willing to issue this bonus to me, at least nobody seems to be working on this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is the same complaint but I realized without the reference number I would not get a response. Please note that I'm resubmitting this complaint now with the Pay Pal Reference ID from PayPal ( Ref ID - XXXX ) I am writing to file a complaint against PayPal for wrongfully closing my account. I have been a loyal customer of PayPal for over 20 years and was recently informed that my account has been permanently limited. This has left me unable to use my account, which is a significant inconvenience. 

I started an XXXX XXXX XXXX on XXXX XXXX in XX/XX/2022, and the only payment provider available to me was PayPal. I have been doing relatively well with sales, and every time there is a change in sales for the better, PayPal has issued a long hold on the funds, slowing down my business. Recently, PayPal requested proof of purchase, proof of fulfillment for six different orders, as well as a description of what my business does, which I willingly provided.

However, to my surprise, I received a letter from PayPal stating that my account had been permanently limited due to potential risks associated with it. This decision does not make sense as I have a great reputation in the marketplace with my customers, which I gained quickly. I have 92 customer feedback ratings with a 100 % positive score, with many customers noting fast shipping, carefully packed orders, and records exactly as described. 

Moreover, I finally got back on my feet after being without steady work for almost 2 years due to the constraints caused by the XXXX pandemic, and I am now forced to completely close my XXXX store as PayPal is their only payment provider. I was on the way to opening a second store, but now my income has been cut. 

I have carefully read through all of PayPal 's documentation and could not find a single thing that I violated. Furthermore, all the orders that PayPal requested information on were fulfilled and delivered. 

I strongly believe that PayPal 's decision to permanently limit my account is unjustified and based on erroneous information. I request that you investigate this matter and take appropriate action against PayPal. I hope that my account will be reinstated, and I can continue doing business with PayPal in the future. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX Paypal account XXXX, XXXX Ref ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a credit card offer and invitation from XXXX XXXX to applying for their credit card several times during XX/XX/XXXX. I decided to apply for the card on XX/XX/XXXX,, and it was approved with a {$3000.00} credit limit. After receiving the card and activating, I received a notice in the mail dated XX/XX/XXXX stating that the credit card is closed. Following the closing statement, I received another notice which states how to use the card and how to earn maximum points. 

It is disturbing to find that Comenity Bank used my personal and financial information, and now I have a hard inquiry on my credit report. The way they handle business is very unprofessional. I have not used the card at all and did not intend to use it for day to day purchases. I was planning to use it only during our trips to XXXX XXXX. 

I am requesting XXXX XXXXComenity Bank to reopen the card or remove the inquiries from my credit report from all reporting agencies such as XXXX, XXXX and XXXX   and send me a written confirmation that all the inquiries removed. 

I contacted the customer support and discussed the matter XXXX ( ID XXXX ) on XX/XX/XXXX around XXXX to XXXX XXXX  but he wasn't able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I took out a loan from Ally Financial i n  XXXX . First payment due on XX/XX/XXXX in amount of {$470.00}. I paid an additional {$100.00} per month towards principle, for a total payment amount of {$570.00}.    I also made Principle  payments on XX/XX/XXXX of  XXXX  ;  XX/XX/XXXX of {$5000.00} ; and  XX/XX/XXXX of {$3700.00}.   On XX/XX/XXXX  I submitted a final payment of {$1400.00}. Mailed with a letter, & amortization schedule to the listed address on the back disputing the amount they stated I owed. Then nothing till I received a statement in  XXXX  stating I still owe them {$82.00}. Which is the interest from miss-applying my monthly and one-time payments.  <P/> I called on numerous occasions to ask why my payments have not been applied properly. My first call was  XX/XX/XXXX . Ally was taking the extra $  XXXX  month and applying them toward future payments even after I asked them to be applied towards principle. Ally even applied my one-time principle payments towards future payments instead of loan principle ( with the exception of the {$1500.00 } one ) . By Ally applying my payments in this manner they have inflated the amount of interest on my account. Now, while I have been attempting to settle this account and claim the title, they are threatening me with damaging my credit report and not sending me the title of the vehicle as well as taking further legal action.  <P/> Please help me with this matter. I understand it is not that much money, but if they are doing this to all their customers that would be Millions of dollars in extra revenue. And I have been unable to make any headway with them. They wo n't even let me speak with someone in accounting about my account.  XXXX   XXXX  just wants to collect money even if it is not their 's.  <P/>   Attached below are ( 6 ) files documenting and backing up what I have stated above.
1. Is my Final payment letter.
2. Is an Amortization Sch. for the loan.      3. Is a copy of my Final Check 4. I s   XX/XX/XXXX    Statement from Ally 5. Is the latest Call recording with Ally 6. Is a record from Ally of my payment History. Documenting how they applied my payments.

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible

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 2022-07-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Dept. of Education keeps reporting different information multiple times across multiple credit reporting agencies. The same loan is reported twice on all reports. The two loans are being re-aged every other year too. These loans are from XXXX from a school that closed, changes hands, and turned out to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: LA
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 Fair Credit Reporting act XXXX XXXX account number 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.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account as of today is currently negative {$430.00}. Before it reached this amount I called the bank and asked if they would reject any incoming payments since the account was negative. The rep said they mostly do besides ACH payments- they typically go through. 

I told her I didn't select the overdraft protection because I wanted to avoid digging myself deeper in a hole when I have limited funds. This will only hurt me when I get paid again when I'm trying to survive! 

It doesn't hurt the bank to deny these payments, it just leaves it up to the customer to figure this out on their own. Why have the option to allow us to opt in and out but you ultimately are making the decision for us?! 

XX/XX/2022 is when the account went negative : Pending XXXX XXXX XXXX XXXX CA. Misc. debit - {$2.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX : XXXX ACH debit - {$25.00} - {$420.00} XX/XX/2022 INSUFFICIENT FUNDS FEE FOR A {$12.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX XXXX  : XXXX Fee - {$34.00} - {$400.00} XX/XX/2022 INSUFFICIENT FUNDS FEE FOR A {$27.00} ITEM - DETAILS : XXXX XXXX  XXXX XXXX. XXXX. XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$360.00} XX/XX/2022 INSUFFICIENT FUNDS FEE FOR A {$130.00} ITEM - XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX. XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$330.00} XX/XX/2022 XXXX XXXX XXXX XXXX ID : XXXX ACH debit - {$12.00} - {$300.00} XX/XX/2022 XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$27.00} - {$280.00} XX/XX/2022 XXXX XXXX XXXXXXXX XXXX. XXXX. XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$130.00} - {$260.00} XX/XX/2022 INSUFFICIENT FUNDS FEE FOR A {$110.00} ITEM - XXXX : XXXX XXXX XXXX PAYMENT XXXX WEB ID : XXXX Fee - {$34.00} - {$120.00} XX/XX/2022 XXXX XXXX ONLINE PAYMENT XXXX WEB ID : XXXX ACH debit - {$110.00} - {$86.00} I recently had the same thing happen with my other bank XXXX XXXX XXXX XXXX XXXX. Literally the same freaking thing. The difference between the two banks is XXXX recognized that I didn't have over draft protection and refunded the fees they charged me. I can provide proof of this as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-15
Company: Diversified Consultants, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XXXX XXXX, XXXX I was in search of a new cellular data service and contacted XXXX for quotes. After discussing a contract with XXXX, they sent out XXXX XXXX 's without my authorization. I never received the phones, which according to XXXX were delivered and left on the front porch of my home on XXXX XXXX, XXXX. Upon receiving a rental bill for the above mentioned phones, I contacted XXXX immediately with no resolve. I have had numerous attempts with XXXX about this fraudulent bill with only one resolution after speaking with a XXXX manager. I was advised that this bill would be corrected and I would no longer be receiving any communication from them. I again received another paper bill for double the amount and contacted XXXX again. I was not able to speak to a manager and the customer service representative advised there was no manager to talk with at the time, but if I was to switch my cell phone service to XXXX, they would send out two new phones and that would rectify the initial complaint. In XXXX XXXX I received two calls from a collection agency who was representing for XXXX. I gave them all the information and all the conversations I had with XXXX about this issue and they advised me they would put the collection in dispute with XXXX until further notice. On or around XXXX XXXX, XXXX XXXX had the bill put on my credit report for collection in the amount of {$1200.00}. I am prepared to file a police report for phone cloning against XXXX along with possible legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone got my information and try to send me someone else medical bill, which I have my own insurance thru my own employer

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 2020-04-21
Company: CITIBANK, N.A.
State: NJ
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 customer service

Complaint:
Representative XXXX ( ID # XXXX ) provided me false information in regards to my account. Failed to transfer me or my request to the executive office. Failed to provide an appropriate resolution to the problem with my account. Failed to protect the privacy of my account and my account details.

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 2015-12-04
Company: Avant Credit Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On Monday of this week, I logged on to Avantcredit.com. The website said I could check my rate and loan amount without effecting my credit. I answered the questions and was pre-approved for a large dollar loan. I was only needing {$2500.00} and not the huge loan amount that was pre-approved. After three days, my loan still had not been approved. I called their customer service and was told they needed to verify my employment. Each day I would call and received the same response, waiting to verify employment. On the 4th day after calling and letting them know I had filed a complaint with the XXXX, they denied my loan. I believe this may have been retaliation?? Avant is a sub prime lender with extremely high interest rates. It 's pretty hard to be denied a loan by these type of finance companies. I have also had a loan with this company in the past and paid the loan off well before the final payment. This company is very misleading when they state you are pre approved for a loan up to a certain dollar amount. It does not say anything about based on additional credit criteria after applying for the loan. It also stated my credit would not be effected when applying??? Not so sure abut this yet. It will take a few weeks to show up on my credit report. My other complaint about this company is that they ask for your user ID and password to your personal checking account. I was extremely uncomfortable providing this information. They claim the information will be kept secure. Based on my experience with this company, I do n't think anything is secure with them.

Company response to consumer: Closed with explanation