BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy fed XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 Every time I go to this branch I have a different issue. First it's not my bank account because it's a joint account with my husband being the primary. How is this when I opened my account in XXXX and my husband was added at a later date. All I wanted was a cash advance. On my XXXX account. Which is my primary account. I wad very rudely told it was not my account so I couldn't do that. Them I was told that I needed permission from my husband to take money out of our account. Finally ehen I finally had enough I told them to close all 4 of my accounts. Which had way more than the cash advance I was trying to take from XXXX. I always have problems with this branch. I will never use your bank again because of this. I wad told I need to open my own account. Really because the 1 joint checking account and 3 savings accounts mean nothing. What the he'll do I need another account for? I was very rudely told to go back our side and wait. Really I just waited 15 min. Outside to even see the rude teller and her suoervisor. So no im not going outside. This branch is a joke.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I found a Charge offs on my Credit report form DISCOVER. I disputed it with the CRA it came back verified. I than sent a letter to DISCOVER about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your DISCOVER does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am a health and wellness coach. 
On XX/XX/2021, I gave a seminar to some potential clients and for those that wanted my services, I used Paypal for payments. Paypal accepted all the transactions and took their transaction fee, however one specifically was a large amount of money, {$27000.00} from a client. 
Paypal requested some additional documentation which I provided to the best of my ability. I contacted them and they said they would send the issue to their back office. 
Two days later I received this email. 

You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. 221_reason11 As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. 

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. 

If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 

We regret any inconvenience this may cause.

So I looked up violation number 11, which stated : 11 - Online Dating : Any dating services that enable individuals to find and introduce themselves to new people with the goal of developing a personal or romantic relationship. 

I called a supervisor, XXXX on XX/XX/2021, at XXXX am, who told me that once a decision is made, there is nothing that anyone can do. I told her that I am not doing online dating and she said there was probably an error but no one can do anything about it and I had to wait 180 days or XXXX a year and maybe I might receive my money. 
The total amount in question is {$37000.00}. 
It will be nearly impossible for me to run a business without those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: TX
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 have been trying without success to get access to my credit report. I have called on numerous occasions but Equifax has demanded an excessive amount of documents so that I can get the report. I am sure this is designed to make it impossible to get the report I .am convinced there are errors in the report but can not find out without gaining access to the report. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Account # 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 non-monetary relief
Consumer complaint received 2022-07-24
Company: Affirm Holdings, Inc
State: NC
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:
I had a loan through Affirm/ XXXX XXXX with the Merchant named XXXX XXXX I had submitted a dispute as the merchandise was stolen and not received. During the investigation, I attempted to pay the installment, however, I was advised that during the dispute I could NOT make payments on the loan until it was resolved AND this information would NOT be reported to the credit bureaus. I checked my credit reports with all three bureaus and Affirm is listed negatively. The loan has been satisfied and I have been in constant communication with Affirm/ XXXX XXXX. I am requesting for the negative items to be removed and to reflect the accurate, up to date information which is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: RMS-Recovery Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company I am reporting is Recovery Management Services. The company is stating that I took out loans through XXXX University  XXXX. This school was closed due to unfair and illegal business practices by the United States Government. I sent documentation to the creditor stating that all of my loans are through the Dept Of Education. Recovery Management Services has stated that they will continue to " damage my credit '' and " ignore all correspondence relating to this matter ''.

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 2015-03-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I am being called by USAA credit card services XXXX times a day regarding a credit card debt. They call on weekends, Holidays, and sometimes at XXXX at night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: Academy Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX License # XXXX ; XXXX NMLS # XXXX denied my loan due to me having XXXX credit score that reached requirements and the other did not she chose the credit score that was the lowest. Along with discriminatory remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Focus Holding Company
State: GA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Someone used my SSN and personal information to apply for a loan to deposit money into a checking account also opened with my information. They emptied the checking account and failed to pay. Now a third party collection agency is calling my personal work phone used for business purposes only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Bread Financial Holdings, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 my wallet was stolen with all my credit cards and ID I contacted XXXX comenity bank credit card right away about it. It was {$580.00} and the said they took it off. I kept checking it has not been removed. I called several times waiting on the phone for extended periods of time and talking to different people giving them all my information and then not doing anything about it. Every time I call they say there wasnt any information about it which Im thinking people are not doing anything at their job Im highly frustrated I filed a police report and all my other credit cards have given me the funds back except for them. Its hard to talk to someone and when I do they just lie about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: MD
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 Account # 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 non-monetary relief
Consumer complaint received 2016-03-06
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Dear States Attorney, I 've taken during the past 60 days, to date SANTANDER has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not been successful. Should you need any other information, please let me know. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After opening an account with citibank for a promotional offer, and spending a tremendous amount of time communicating with Citibank to actually receive the promotion, I decided to discontinue banking with citi, and went about closing my account. I withdrew all funds from my account, and used the " Citi XXXX '' feature to communicate that I wanted to close my account. The representative indicated that it was closed. 

Several weeks after I having been told by the citi representative that the account would be closed, I received a charge on my account of {$25.00} for having a " lower monthly balance than required '' for maintaining the account. Given that I had requested the account to be closed, this should not have occurred. It took me 3+ calls to Citibank ( over an hour each ) to try and resolve this issue. 

I eventually received confirmation that the {$25.00} charge would be reversed, and the account would be closed. One day after this occurred, I received a {$35.00} " overdraft fee '' on the account, as the account had a zero-balance, so the {$25.00} charge from citi was viewed as an overdraft. Not only is this an absurd practice, to charge overdraft for fees issued by the bank, but this seems like predatory activity. This also represents fraudulent activity, as the bank is prohibiting me from closing an account, and billing me for a service which I requested to discontinue, and had received verbal confirmation several times that it had been discontinued. 

I am now in the process of trying to resolve this issue, and anticipate that I will need to spend several more hours. This company should be heavily fined.

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 2020-06-17
Company: Direct Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I just today XXXX XX/XX/2020 XXXX received a physical letter saying they are collecting the debt of {$150.00}. They have today alone called my daughter, my brother in law, my sister, my father, my husband all before calling me at all. I will attach the message from my brother in law. As soon as I received a message ( they use a " unknown/spam '' number ) I called them. By then my phone was already ringing while on the call from them yet again, granted yet another number so I did not know until I got that message. After making an arrangement I called back and the woman was very rude and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
OWCEN made an error on my XXXX XXXX, 2016 and XXXX XXXX, 2016 account statements claiming I made an underpayment for the XXXX XXXX, 2016 and XXXX XXXX, 2016 payment due dates, when in fact I overpaid each monthly payment. The XXXX XXXX, 2016 statement stated that I am to make a {$570.00} payment by XXXX XXXX, 2016. I used OCWEN 's automatic payment system and instructed the OCWEN payment system to initiate a payment from my Bank Checking Account the sum of {$650.00} on XXXX XXXX, 2016 which did occur. However, the XXXX XXXX, 2016 OCWEN statement says that it applied an amount of the {$650.00} that was less than the required payment of {$570.00} and that I have underpaid my mortgage obligation by displaying " Prior Payment Shortage '', even though the balance of the payment was applied to principal. The XXXX XXXX, 2016 statement stated that I am to make a {$570.00} payment by XXXX XXXX, 2016. The auto payment amount that occurred on XXXX XXXX, 2016 was {$650.00}, however, the XXXX XXXX, 2016 statement says that I underpaid again and did not meet my obligation, even though the sum of the payment applied to the obligation and the excess principal payment exceeded the required monthly payment. I requested on XXXX XXXX, 2016 that OCWEN issue a corrected statement for both XXXX XXXX, 2016 and XXXX XXXX, 2016 but OCWEN 's representative ( I have the representative 's name and OCWEN Id number ) has refused to do so. The fact that my HELOC statement incorrectly shows on two occasions that I have underpaid by stating " PRIOR PAYMENT SHORTAGE '' will affect my credit rating. The above situation is apparently is a Payment Processing malfunction and I would suspect less knowledgeable Debtors would be unable to identify the error on OCWEN 's part and have their credit ratings unduly damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: URS Holding, LLC
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
In XX/XX/XXXX, I filed bankruptcy which included all of my private loans, credit cards, and past due bills. From that point in time, I have been financially responsible and have maintained a positive credit profile. Recently ( within the past XXXX months ), a company ( ERS ) has contacted me multiple times a day, contacted my wife, and family members that I have not seen in years. They have claimed that my debt is now due and that after XXXX years, it is still valid. I initially attempted to explain to them that my debts were addressed during the BK and those that were n't are current ; however they did not accept that and in XX/XX/XXXX, reopened a collection account without my knowledge, approval or written notice. I found this out today, when I pulled a credit report after seeing a denial of credit from a lender. I received no written notice of a revival of a debt that no one has contacted me about in a decade and as of yesterday ( XXXX calls alone in a XXXX hour window ) they have increased their call cadence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I received an email stating " Dear XXXX, We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance- plus all interest earned- will be transferred to your linked external checking account. 

Questions? Give us a call at XXXX. We're available Monday-Friday XXXX XXXX XXXX XXXX " I've tried to contact multiple times to resolve the issue but get transferred or hung up on. 
I can not access my funds on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: TX
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602a STATES, I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604a 2, ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1692d- HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR THE NATURAL CONSEQUENCES OF WHICH IS TO ABUSE THE HEARER OR READER, ( CAUSING XXXX XXXX ) 15 USC 1692b. ACQUISITION OF LOCATION INFORMATION, ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT. TITLE 15- COMMERCE AND TRADE CHAPTER 94 - PRIVACY SUBCHAPTER I- DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.

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 2016-08-29
Company: SQUARETWO FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : CACH , LLC Debt Collector : XXXX XXXX, XXXX Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016

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 2015-08-20
Company: URS Holding, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
called my number about someone else 's debt and said that my number had been given as a contact. The party in question has no contact with me I feel they took it upon themselves to start calling distant relatives for collection

Company response to consumer: Closed with explanation