BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The bank is refusing to allow me access to my own account. Customer service has essentially stolen more than {$5000.00} from me at this time. The money has been in my account for several days and I can not withdraw it from the atm machine, there was a block to my account. Then when I tried to cash a check, the check is being denied, they will not cash it. When I called the bank they argued with me about what college I attended and told me that if I didn't give them the correct information that they would not allow me access to my account. Customer service made me repeat the spelling of my name, my birthdate, and the school information more than 10 or 15 times and they left me on hold. They stole my money. The also blocked the card so I can't make a withdrawal by XXXX XXXX. I have no access to my own money from the bank which services loan disbursements. This is not the first time they have done this. They have absolutely no sense of that they might have done something wrong, there isn't a remote sense that they perhaps should allow the customer access to their own account. They have now frozen the entire account and are asking for a passcode which I do not have, I asked them to mail me another passcode, the refused to do so. They are excessively abusive and have stolen {$5000.00}

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
Consumer complaint received 2015-12-01
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was checking out with PayPal ( or so I thought ) and I ended up somehow signing up for their credit card! I feel as though I was tricked into signing up for a credit card I have absolutely no interest in having. I have really good credit and I 'm upset that they did a hard inquiry. At this point I do n't know if it would be better for my credit to keep it or close it. The damage has already been done with the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I use PayPal very rarely. I learned that they had signed me up for a service called Bill Me Later without my consent. They ran a hard credit inquiry on my credit report, and harmed my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Continental Finance Company, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello my name is XXXX XXXX. Im having problems with a credit card company named Continental Finance.I have been making timely payments online. They send me a email stating that payment has posted to my account. Then a week later they send me another email stating that they have not received a payment. I have seven other cards and I dont have this problem with any of them. I believe they are running a scam because when I contact them they tell me that should call in the payment so they can charge me XXXXservice fee.I want them to change the false information they sent to my credit report.

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 2021-02-16
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Just recieved a delinquent tax notice for my home and never missed a mortgage payment. The mortgage payment includes an escrow account for insurance, PMI, and taxes, and Planet Home Lending ( mortgae servicer ) never sent out payment. I tried telling them last year and they did nothing. Have tried calling them multiple times and can not get in contact with anyone ( on hold for over an hour ). There is interest accruing on the delinquent tax bill. Dont know what to do, I know they have the money in tge escrow account, should I pay the delinquent bill? Who pays the interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: National Credit Adjusters, LLC
State: CA
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:
On XXXX XXXX, 2020, National Credit Adjusters add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA National Credit Adjusters has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Tried to close account. Hold was placed on funds. Requested that funds be transferred and account closed after hold ( ten business days ) was lifted. Fourteen days later, account was still open and funds had not been transferred. As of this morning, I can no longer access my account online, and funds have still not been transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Paypal Holdings, Inc
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I purchased a dress from XXXX in late XXXX and returned it in XXXX. I reached out to the merchant and was inform on XXXX that Pay Pal had taken the money from her and that I should have been credited. I filed a claim with my bank XXXX XXXX XXXX XXXX XXXX who tried to get the funds from Pay Pal and was denied. The merchant all this time was under the impression that I had my money. I reached out to Pay Pal and told XXXX ( case # with Pay Pal XXXX ) that the merchant had their merchandise and to please refund me, Pay Pal refused. So neither the merchant or myself has the funds..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Mandarich Law Group, LLP
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not have proof this is my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint XXXX with CFPB. XXXX XXXX called on XX/XX/2021 at XXXX and left a message for me to call him. I returned Mr. XXXX call on XX/XX/2021 at XXXX XXXX XXXX am and again at XXXXXXXX XXXX Arizona time and left a message all three times recording the last two. I never received a call back. I tried again on XX/XX/2021 at XXXXXXXX XXXX Arizona time and left another message recording this as well. I received a strange call back from Mr. XXXX on XX/XX/2021 at XXXX XXXX Arizona time. Mr. XXXX asked if this was a XXXX XXXX. I replied that I am XXXX XXXX and expected his call. Mr. XXXX replied he must have the wrong number and hung up. 
On XXXX XXXX I received a letter stating Bank of America had received my complaint and I had until XX/XX/2021 ( two days prior to receiving the letter ) to contact Mr. XXXX. I believe this is an attempt to discredit my original complaint so I am filing another.I do not believe Bank of America has nor will take this complaint seriously and ask for other remedies from the CFPB. 
Thank you, 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 monetary relief
Consumer complaint received 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is incomplete, outdated, and incorrect information reported on accounts that are reporting on my credit report. The accounts are : XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XXXX2016.

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 2021-02-16
Company: Happy Money, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021, I applied for a {$40000.00} to consolidate credit card debt that was mostly incurred due to a job loss from a 23 year employer. I used XXXX XXXX and the approval rating was 90 % that the loan would be approved. I provided all information they requested and was turned down for credit card debt. First, I was paying off the credit card debt and secondly, this debt was available to them when I initially went through the prequalifying process. I have no delinquent credit on my credit report, I have a decent credit score and only one inquiry from last XXXX. There is no reason that this loan should not have been approved. However, it was and now there is an additional inquiry on my bureau that would not have been there had I not been led to believe the loan would be approved. I did respond to the company and explain this with no response. I am complaining about their marketing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Concord Resolution Inc (Closed)
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Keep getting daily phone calls and voicemails from XXXX indicating to call back that I 'm involved in a very important matter for over a week.. So finally called back. Lady indicates their customer has contacted them wanting to be paid back for a payday loan. Would not tell me who she was or the customer. Also indcated that when applying for payday loans ( which I 've done and paid off well over a year ago ) that there us a XXXX company involved that also gets paid but is either not disclosed or in very fine print. She said she would email me documentation but has yet to do so although has called again. 
I googled the number and see many complaints of same voice mails and apparently part of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Winklevoss Exchange LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I created my gemini account on XX/XX/2021 and have been waiting to be verified ever since. I completed all the verification steps, but yet nothing. Also I contacted gemini customer support multiple times and nothing. Im unable to withdraw due to this and Im quite frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: GOLDMAN SACHS BANK USA
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my credit card ( Apple Card ) on XX/XX/XXXX to pay for fitness equipment. After placing the order I contacted merchant in XX/XX/XXXX to follow up on my order. I was not given a confirmed date for delivery of equipment nor an ETA. I disputed the charge with my credit card. It was resolved in favor of merchant. As per card company I authorized the charge which is true. However I am not disputing the charge as such but disputing the charge due to inability of merchant to deliver merchandise that I paid for. 

I contacted merchant again in XX/XX/XXXX. Merchant expressed his inability to fulfill the order, yet again. I am paid {$470.00} for goods that were never delivered and credit card company washed off their hands by not helping their own customer. 

I have shared the emails from vendor with my credit card company and even then they are not willing to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
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:
I have filed countless disputes into erroneous credit inquiries into my credit report thru Equifax. They sent me a blanketed letter on XX/XX/2021 stating that they verified 11 of the inquiries. But how did they do that when I have not received any proof that these inquiries are mine which they are legally supposed to supply. They have by law 30 days to verify this info or it must be deleted. They have not verified this info as they are also not allowed to use their E-Oscar system to verify things as they must verify info thru the original creditor to accurately verify info which they have not done so. I have received zero documents in the mail verifying these inquiries. They do not get longer than 30 days to verify info. Not 45 days. Not 60 days. Only 30 days. They are illegally reporting erroneous and unverifiable info on my credit reports still. I will be seeking legal council and taking this to court if they do not remove these illegal unverifiable injuries from my report as this is now defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED AS EXTRA POINTS VISA. THE STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT GET MY LAST MONTH STATEMENT TILL TODAY. I REQUESTED THEM SEVERAL TIMES. BUT I HAVE NO RESULT. THE CUSTOMER SERVICE OF THIS BANK IS HORRIBLE.THEY HAVE NO RESPECT FOR CUSTOMER. THEIR CUSTOMER SERVICE IN XXXX IS VERY BAD. THEY TREATS AMERICAN CUSTOMER LIKE A DIRT.

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 2015-09-27
Company: M.A.R.S., Inc.
State: MS
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:
Was unaware of debt until requested credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied for a 0 % interest for 12 months credit card called XXXX. I was sent a card that said XXXX all across the front. In the XXXX billing month, I was charged interest. I called Barclaycard XXXX, the issuer. They said they could n't resolve the issue over the phone but that if I waited two weeks they would send me a letter. I waited. No letter, no call. I called again. This time they acted like the first agent did n't even open the case correctly. They said they would. Told me to wait a week. I 'd get a letter. I waited-no letter. I called again. This time agent told me they were not going to charge me interest for the upcoming month and that they would eventually credit the account for the interest already charged. On XXXX, I logged in to the online account to find I had been charged interest yet again. I called again today ( XXXX ) and was told my card does not have 0 % interest for purchases and they would n't refund the charges. I applied for a 0 % for 12 months card for purchases AND balance transfers. I read the terms carefully before applying. They are still offering this XXXX card on their website with 0 % for purchases and balance transfers for 12 months. I told them that. Manager said that promotion could change at any time and would n't verify that the promotion had been valid when I applied for the card. I definitely applied for that card and those were the terms. I was also supposed to get {$100.00} cash back if I spent {$500.00} in the first 90 days. I have n't received that either. They wo n't honor the terms of the card. Also, by telling me to wait in two week spans, I 've been pushed into subsequent billing months, interest charges piling up by the day. This is classic bait and switch. I 've never received XXXX letter or call in response.

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 2021-04-04
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX presented me with an offer that if I reinstated my membership, any balance owed would be removed from my credit report. I have had a current membership with them and this has still not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Today I checked my balance on my Walmart Mastercard by calling the toll free number XXXX. I 've been a customer for more than 2 years and I 've never paid late and have always paid my balance by the due date. When I call the account services number I usually get a message that my account has been matched with my social and it asks me to enter the last XXXX digits. This saves a lot of time. Recently I made a complaint to Synchrony bank, the servicer of the Walmart Mastercard, about walmart.com charging me for a toaster that I ordered online XXXX XXXX, 2016 at Walmart.com and then canceled the same day because it was n't available for free same day pick up at the store as promised. So today after checking my balance via phone call and finding it different from my calculations, I called the toll free number a second time so I could check my recent transaction history and find out if the toaster I DIDN '' T BUY has been removed from my recent transactions. On the second call I was asked to enter my entire account number and then last XXXX of my social, and the system said it did n't recognize it. I tried again and got the same response. So now I have no way to dispute mistakes on my account or ask questions or get customer service. I have NO faith in the security/integrity of walmart.com and I 'm not going to do transactions on their website. I really do n't want to believe that Walmart /Synchrony would lock me out ( although it looks that way! ) to retaliate against me for being vigilant about my own credit usage and making legitimate complaints about Walmart.com 's mistake!

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 2021-02-16
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received the below email regarding change of email address on this account I never opened up nor have any knowledge of. I called the number and was informed the account was placed on a block order per my request. The number raised my alertness as its requesting an SSN to verify your account. I didn't provide this but none-the less was advised the account will be blocked on their end. 

Dear Netspend Cardholder, This email is to notify you that your email address XXXX was changed to XXXX today through the Netspend Web site, XXXX. 


If you have any questions or concerns about this change, please contact us immediately at XXXX. 

We appreciate your business and look forward to serving you in the future. 

Sincerely, Netspend Customer Service Team This message was sent to you because of changes, updates, or transactional activity on your Netspend Prepaid Card account. Netspend is required to send you such notifications regardless of your unsubscribe status. Please do not reply to this message. 

E-mail XXXX XXXX XXXX intended for : XXXX. You may update your profile at XXXX  : XXXX 


Netspend Corporation XXXX. XXXX XXXX XXXX, TX 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 2016-04-25
Company: CMRE Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received letter from CMR Financial Services , Inc, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX CA XXXX stating {$270.00} is owed XXXX XXXX XXXX XXXX XXXX ... this amount was written off by my insurance and this is an attempt to pay a non existent amount.

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 2021-02-16
Company: DISCOVER BANK
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS

Company response to consumer: Closed with explanation