BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-31
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Good night Sir/Madam I don't know where to fight against Paypal. They steal my money that i have legally from my friend. Gamers. 

My name XXXX XXXX. I live in XXXX, XXXX. My email that link with paypal are : XXXX and XXXX On XXXX paypal hold my 2 account for 180 days, i have total XXXX XXXX I've been waiting for this XXXX to be able to withdraw my money. But when i login onXX/XX/XXXX i am shock that PayPal take my all my money in 2 account ( {$2400.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This afternoon i receieved XXXX phone calls from seperate numbers [ ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) ] and seperate people claiming to represent a company called XXXX XXXX XXXX. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last XXXX didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to " Check N ' Go '', which is a legitimate debt. 

At this point theyre telling me that i owe roughly {$930.00} and must pay it in full immediately or they will file paperwork to issue a warrant and have me arrested due to " their client '' pressing charges on me for a couple different types of fraud. I questioned him about the legitimacy of what he was telling me and he got extremely defensive and kept insisting that i would be charged with felonies if i did not pay. he also refused to identify his client when i asked who was pressing the charges since he had told me that the original debt collection agency that got my account from Check N Go had turned over my debt to someone else, and that that new agency, whom he is referring to as his client, is the XXXX pressing charges if not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Merchants Credit Corporation
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a message on XX/XX/XXXX indicating that someone ... no name given ..owed a debt. I called the number back there times on XX/XX/2017 and left message- maybe two- asking for a call back. I did not receive a call back. I called the number back today, XX/XX/2017, and got someone who had my name and an old address, but would not tell me what or who I allegedly owed. I asked for written verification of the debt and gave her an address where I could be reached, to which she responded " we ca n't mail things to XXXX XXXX, it 's illegal, '' without further elaboration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a company of fraudsters and thieves. I've gotten several loans with this company for vehicles from our business. The car is in my name and our company name. I pay this loan months in advance. Our monthly payment should be {$210.00}. When I pay I pay XXXX months in advance. On XX/XX/2021 my balance was {$1400.00}. I paid {$900.00} on that date. XXXX XXXX sent to my credit report that my account was delinquent. They need to update this ASAP. Because that information is wrong. Not only that. I also paid off the balance of this loan which was {$440.00} on XX/XX/2021. XXXX needs to update my file ASAP and take the delinquency off my credit report. I called into XXXX several times and all they do is put me on hold and then hang up on me. This is not a way to do business. This is shark fraud business. Preying on consumers. This company needs to update my information ASAP.

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 2021-12-31
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: Account information incorrect

Complaint:
This is a company of fraudsters and thieves. I've gotten several loans with this company for vehicles from our business. The car is in my name and our company name. I pay this loan months in advance. Our monthly payment should be {$210.00}. When I pay I pay XXXX months in advance. On XX/XX/2021 my balance was {$1400.00}. I paid {$900.00} on that date. XXXX XXXX sent to my credit report that my account was delinquent. They need to update this ASAP. Because that information is wrong. Not only that. I also paid off the balance of this loan which was {$440.00} on XX/XX/2021. XXXX needs to update my file ASAP and take the delinquency off my credit report. I called into XXXX several times and all they do is put me on hold and then hang up on me. This is not a way to do business. This is shark fraud business. Preying on consumers. This company needs to update my information ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 and XX/XX/2020, I authorized XXXX XXXX & XXXX to charge my debit card for a coffee table, in two transactions of {$75.00} and {$74.00}. 

Because of the COVID19 issues, delivery of the item didn't happen until XX/XX/2020. When it arrived, it came damaged, and unable to be put together. 

I was finally able to speak to a live representative on XX/XX/2020, and was told that the company is no longer in business, and that I needed to file a claim through my bank. 

Bank of America stated to me that because the two transactions happened in early 2020, I am over my " courtesy time frame '' to file a claim, and therefore it would get denied. I explained to them that although I authorized the charges in XXXX and XXXX of 2020, the item itself didn't arrive until XXXX of 2020. 

They refused to file the claim, and told me that I needed to file a complaint with the CFPB an " try '' to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-19
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I have received several calls from XXXX XXXX XXXX stating that I owe for unpaid payday loans. They have accused me of check fraud and stated that they would be contacting the county office to file charges against me. I have told them that there were several internet payday loans taking out in my name and that I have been in the process of proving that it was not me. He stated that I was lying and that I stole money and closed my bank account so they could n't collect on it. I told him that the account was closed due to fraud, money being taken out, my personal information being compromised. I was talking loud because I was using the hands-free option in my vehicle. This processor called my job and left a voicemail stating that they would be calling me back and that next time I need to not be hysterical and that I would be served at my place of employment. He ended the call with " good luck catching the dogs. '' I have no idea what this meant, but I kept the recording and I want the harassment to stop. I 've had enough issues with my information being stolen and now I have to be threatened with legal action for something I have never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Reviewing my credit report after being denied for credit I discovered FedLoan Servicing reported me 180 days late in non-repayment of my student loan. The late period was from XXXX, XXXX and XXXX of XXXX. FedLoan Servicing was contacted on or about XX/XX/XXXX. They researched my account and found that I was in forbearance during that time and no payment was required. The account was updated in XX/XX/XXXX clearing all nonpayment and balancing the account. However, all did not balance with me. Because FedLoan Servicing was not current on their paperwork processing my forbearance they reported my account 180 days delinquent. Speaking to a FedLoan Servicing representative on or about XX/XX/XXXX I was told that they could not retract the negative reporting sent to the credit bureaus but they would write a letter stating that they reported my account late prematurely and that I was in forbearance during that time. The letter produced by FedLoan Servicing did not state what was discussed. It simply stated that my account is current. FedLoan Servicing was contacted again on XX/XX/XXXX. I explained that the letter I requested giving explanation on why FedLoan Servicing was incorrect in reporting my account delinquent was in error was not received. Although the FedLoan Servicing representative I spoke to explained in detail that the account was in forbearance, it was not 180 days late, the files were updated in XX/XX/XXXX, the credit bureaus were sent a delinquent report prematurely and I was told that all discussed was true they would not state it in a letter as I was promised. I pride myself in paying my bills on time. One of the core values instilled in me through my parents at a very young age is that if you make a bill pay it back on time. It was shocking to find out I had a negative report on my credit. The reckless, inaccurate and untimely processing of paperwork by FedLoan Servicing has caused great financial difficulties for me. They have made it impossible to get a credit card, rent an apartment and limit possible employment positions of trust. Repayment of student loans can make or break your future financial opportunities I am already experiencing. When you have a negative credit report and poor repayment history it can cost you thousands more dollars in everything from interest on credit card to auto insurance. FedLoan Servicing must do due diligence when reporting adverse credit information. There is no perfect system, however when you admit you made a mistake on your paperwork and send that negative report to the credit bureaus and you find out you made a mistake dont make the borrower the victim. FedLoan Servicing should do whatever it could to correct the problem. FedLoan Servicing failed to do so in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: United Shore Financial Services, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I contacted you about recasting my loan with a payment on {$10000.00}. It was approved so I sent you {$100000.00} as agreed. Effective date being XX/XX/2020. 
I never received document downloads to sign until XXXX. 


XX/XX/2020 I sent in notarized documents and {$150.00} to XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2020 I inquired if my loan had been recast as my statement did not reflect the amount agreed upon. 
In response you said documents had been received but sent to another department. You lost them but are trying to find them. 

XXXX XXXX I again inquired if my loan had been recast as my statement did not reflect it. In response you apologized saying you are working on it. 
Giving excuses that everyone is working at home and unsure when you would find the lost documents. You suggested I sent in a copy of documents. 
So I did. I again sent in documents to XXXX XXXX XXXX XXXX NJ XXXX Since sending in documents the second time I have not heard back from you. I have sent several emails and have tried to call in but you are not accepting calls. 

I received back my {$150.00} check uncashed so I know you received my documents, the first set. I don't know if you received the second copy of documents. 

I have seen many email requests but have been ignored. 

XX/XX/XXXX I called in and was told no one in who could help me. I was told someone would call me back by a person XXXX. no one did Sent more emails no response. 

XX/XX/XXXX transferred around until I was again told a supervisor would call me back since none was in by XXXX. No one called me. 

sent more emails no response XX/XX/XXXX Called in again and was told a supervisor would call me. No one did. 

sent more emails no response I have sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Went to car dealerships to purchase a vehicle but was denied by all three dealers. and all three pulled hard inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-06-10
Company: EQUIFAX, 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:
XXXX  Credit Monitoring notified me of XXXX XXXX XXXX incorrectly reporting a {$700.00} collection account when I have never even heard of XXXX XXXX XXXX. I have never received a single phone call or a single letter from XXXX XXXX XXXX. This, of course, is in direct violation of the FCRA. 

XXXX XXXX XXXX reports XXXX  as the original creditor to XXXX. This is entirely FALSE. I have never once been late with my XXXX  account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XXXX/XXXX/20. 

Either I am a victim of IDENTITY THEFT or XXXX XXXX XXXX is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that XXXX  provided for XXXX XXXX XXXX  and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX  and certainly there is {$0.00} due to XXXX XXXX XXXX, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested a free annual credit report, XXXX XXXX XXXX, after filling out all information XXXX and equifax indicated it was unable to provide. I must send additional information via the mail and wait 15 days for proessing and further days to mail and recieve. Only XXXX was available online. I believe service by the other 2 reporting agencies is a delay tactic and they no longer provide your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion would not remove the TAX Lien I requested them to remove off of my credit report. They say I did n't furnish a police report. So now I have furnished the police report lets see what excuse they come up with now.

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 2015-12-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Representative claimed I would be homeless on the street because of them reporting this supposed debt on my credit reports. I quote " you need to pay us {$320.00} or we will report this on your rental history and you wo n't be able to get an apartment, do you want to live on the street? You need to pay right now ''. 

They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

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 2021-12-31
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert on my credit report from a debt collector agency saying that I owe them money. I dont owe them anything XXXX XXXX XXXX was paid. I disputed this and its still coming up on my credit report. But I dont know this company I never paid them or had any dealings.

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 2021-12-31
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please forgive my delay in surbmitting this complaint. 
Recently I've had 3 back procedures withint approximately 6 week period sapping my engergy. Thank, you for understanding this delay. 

Enclosed please find the CFPB roster of complaints filed by me against XXXX. 
thru XX/XX/11 ONLY. 

The last complaints : XXXX on XXXX XXXX & XXXX XXXX were not able to be opened to see the reply or replies from SLS Also, Complaint XXXX of XXXX XXXX and XXXX XXXX also unable to view the reply from SLS When calling CFPB in this regard, I was informed that CFPB could NOT, in fact, read the reply... it was redacted/removed? That I would be receiving a written reply via US POST from SLS within, I believe, 15 days. 
Please know that I have yet to be able to OPEN either complaint to be able to read/see the SLS/HSBC reply and have NOT received anything in writing from XXXX in reply to either of the above referenced complaints. 

PLEASE instruct XXXX to REPLY TO MY COMPLAINTS ASAP. 
IT appears XXXX is not held to any timeline or rules. 
It appears that me, the borrower, is always at odds to get an answer from XXXX Further XXXX HOW DOES one defend this INTEMTIONAL FRAUDULENT FORECLOSURE? 
It appears that XXXX maximize their CORPORATE PROFITS ON the Backs of Homestead mortgages without rebuke... all done with INTENT & FRAUDULENTLY. 
" THEY contaminate the truth and the ability for JUSTICE.

I was of the belief that in America, when someone INTENTIONALLY HARMS someone that JUSTICE is available. The WRONG COULD/WOULD be righted? PLEASE help me find an avenue to JUSTICE. Thank you. 

Thank you, kindly, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have complained to the manager and owner of Tower Loan concerning the Loan obtained, APR of 22 % +. overcharged fees, harassing phone calls during work hours and at my place of employment, but received a negative response. I was also threatened to be taken to court for a {$18.00} late fee. I presented the payment of {$82.00} on XXXX/XXXX/16. The manager refused to accept the payment because I told her I could not pay the {$18.00} late fee. I told her to charge it to the next payment. She said she could not do that. I presented the check again and mentioned to her that I had just made an over payment of {$320.00} on the other account in an effort to pay them off early. She said that did not matter she was going to file legal papers for the late fee and that I would be responsible for court and attorney cost. I told her I did n't think so and to proceed. I have written XXXX posted dated checks of {$320.00} to be taken out of my second paycheck check to pay of their loan balance of {$1000.00}.

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