BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: Paypal Holdings, Inc
State: WA
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:
My PayPal Business Debit card was stolen. On the morning of XX/XX/2022 between XXXX XXXX it was used for 4 separate transactions at XXXX # XXXX in XXXX, WA. I immediately followed PayPal 's policy and opened a dispute for each transaction in their resolution center ( 4 total ) and filed a police report. On XX/XX/XXXX PayPal closed one of the disputes with a denial ( for the transaction in the amount of {$250.00} ), claiming the card was in my possession ( 2 of the other disputes were closed in my favor on XX/XX/XXXX and the remaining one is still pending. ) Their reason for denying my claim is wrong and does not make sense. XXXX has video footage of the transaction, and my apartment complex also has door access logs and video proving I was home at the time. I explained this to PayPal and attached the police report. Also, the transactions in question were only minutes apart, and the one they denied my claim for was the last one to occur, at XXXXXXXX XXXX. So by denying that case while accepting 2 others, PayPal is claiming they agree that the card was stolen and used fraudulently, but that somehow I had it back in my possession minutes later and made an authorized transaction, which is not logical at all. 

PayPal refuses to explain their specific reason for denial or connect me with anyone who made the decision. They will not let me appeal unless I have more documentation to add, but also won't tell me what evidence they have or need, and the main evidence ( video footage ) is something they need to follow procedures with XXXX and my apartment complex to get.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21
Company: TD BANK US HOLDING COMPANY
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:
Regulation E Electronic Funds Transfer Violation. Did not opt in and financial institution is still debiting my account and charging fees. Financial institution has no record of opt in. In XXXX of XXXX, I had spoken to my bank, TD Bank in regards to Overdraft fees that had occurred on my account. At that time, in speaking with the representative on the phone that I opened a 2nd checking account to help in preventing this from happening. It was explained to me that the 2nd account would prevent transactions from processing through the account that would place my account into the negative or if there were insufficient funds available, that said attempts at a Point of Sales System where the card would be swiped are declined. I wanted both accounts to be setup in the same fashion both only the 2nd and new account was. I had not fallen into negative on my bank account in said form to my recollection for some time until 2 days ago. On Tuesday XX/XX/XXXX... my account fell into the negative due to an electronic charge for the amount of {$190.00}. When I saw this, I immediately transferred funds to my account to cover the cost of that electronic charge but 2 charges on that same day of the transfer had been processed when they should not have been as I had originally thought my account would decline those charges as I had explained in XXXX of XXXX. Those charges were for {$4.00} and the other for {$1.00} resulting in {$35.00} overdraft protection fees each. But having thought the issue was resolved and my account was back into the positive, the next day I had run 2 transactions, one for {$4.00} and another for {$1.00} along with an overdraft fee of {$70.00} throwing my account in the negative once again. There following day ( today XX/XX/XXXX ) an automatic recurring charge of {$4.00} was posted to my account resulting in another overdraft along with another {$70.00} overdraft fee. Altogether, it would appear my account was charged for {$170.00} in overdraft fees where only 2 of them I completely understand that were posted through. The first for the {$190.00}, and the last for the {$4.00} as those were electronic charges already in motion to be charged. What I dispute are the other 4 instances that resulted in {$140.00} ( or 4 charges of {$35.00} in overdraft protection fees ) that never should have been approved in the first place. The bank issued me a courtesy refund on 2 of the charges bring it down to only {$70.00} in overdraft fees, but again this should not have occurred in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received a letter of collection from Caine and Weiner, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, on behalf of XXXX XXXX, pursuant to their account number XXXX, in the amount of {$190.00}. This apprarently pertains to a cruise that I took in XX/XX/XXXX, with the XXXX XXXX ship, reference XXXX. At the end of the cruise on XX/XX/XXXX, my XXXX credit card was charged some {$540.00}, which was the full amount owing for my trip. I was dissatisfied with various aspects of the cruise in question and requested a refund of {$50.00} of the money paid to XXXX XXXX in the sum of {$540.00}. XXXX denied a refund and I initiated a request to have XXXX adjudicate my request, which was done pursuant to Federal Law. XXXX determined that my request was correct and they refunded the amount in question to me. I assume that they removed that same amount from the accounts of XXXX, but I have no factual basis for that view. Nevertheless, I did not acquire a refund from XXXX and I paid their bill in full at the time they rendered it to me. Please note that at the time I paid XXXX for this cruise, I was a resident of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: FCI Lender Services Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my FHA home loan in XXXX. 
I lost my federal government job in XXXX. 
XXXX XXXX XXXX sold the loan in XXXX ; to XXXX XXXX ; due to delinquent payments. 
XXXX, XXXX sold the loan to an XXXX ; due to delinquent payments. 
The alonge note is not the original ; as I purchased the loan in XXXX. 
The Lender has converted my FHA loan to a conventional loan. 
The lender is expeditiously trying to sell the property without honoring a loan modification ; as required by law. 
I was never notified that I no longer had a FHA loan

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2018-02-11
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX, Experian and XXXX are allowing XXXX XXXX XXXX to report false information on my account, and is allowing XXXX XXXX XXXX to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account 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 explanation
Consumer complaint received 2022-01-27
Company: AES/PHEAA
State: TX
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:
I recently contacted FedLoan Serving because they weren't following the C19 law - there is a timeframe of 8 months were it wasn't being reported as paid on my credit report I was told they put me in a forbearance unrelated to the cares act - i asked why and they said they were trying to sync my payments so they were due at the same time. 

First, it was never communicated to me what they were doing. 2 : I am on an IDR and my payment is zero from XX/XX/XXXX - XX/XX/XXXX at which time I re-certify. Again absolutely zero reason for a forbearance. 

I asked them to please update those months as paid according to the C19 law - and they just flat out said no. I did bring up that they are violating the law they responded by saying, " well we're not updating you CR Its astonishing they are so blatant in their wrong doing. I am filing a formal complaint first because I need help in getting them to do right thing and because its so egregious and they need to be held accountable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I refinanced my truck through state employees a few months ago. I was originally financed through Regional Acceptance Corporation ( I believe its a sun trust or truist bank now, was originally a BB and T ). I received phone calls from regional Acceptance about me paying bills after I refinanced my truck. I told them that I was no longer financed with them. My old roommate called me a few weeks ago and told me that a repo company was trying to take my truck and I immediately tried to call or get in touch with them about this. I would call, get put on a long hold, and then I would get hung up on. About last week, I finally got in contact with them and thought I straightened everything out. He said that he was sorry for the inconvenience and said that my truck will no longer be repoed. Just about an hour ago, I received another phone call in regards to my truck. They asked me if I had possession of my vehicle still and I said yes. She said that my truck was up for repo and I need to pay the money that I owe to regional Acceptance or it will get towed. I tried to explain the situation once again and then asked to be transferred to a higher up. She said she would and I heard the phone click as she hung up the phone and the line disconnected. I have received phone calls and then the line would disconnect out of nowhere. Im trying to get my bank to help me fix the issue. I can not have my truck towed for no reason because I work at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Im in XXXX XXXX. If I lose my truck I will be in a very inconvenient situation. If I can get a phone call whenever yall have a chance, I have evidence that shows that regional signed for the check. I have the email of the gentleman that I sent the proof to from regional and was told it would be taken care of. I also have phone logs showing that the phone call was made and that I attempted to call back. 


My number is XXXX Thank you.

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 2022-10-07
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/31 I only knew this was on my credit report due to getting my credit report pulled by a mortgage XXXX XXXX nor this debt company never sent out a letter, they claimed they texted me I received no texts, no calls they claim they dont leave messages, so if they dont leave messages. 

They claimed they told me it wouldn't go to collections in this letter I did not receive which was the wrong address, it was not by certified mail, so it never arrived to me They are refusing to delete this as they claim they can not even though I had no rights to dispute anything or even knew this debt was owed. They did not reach otu to try to resolve this as they left no messages and I received no texts, XXXX can pull my text records if need be but I hope it does not get this far

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Merchants and Medical Credit Corporation, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Merchants and Medical Credit began reporting on a debt they had acquired on XXXX XXXX 2014 and never sent written notice despite it being required under section 806 of the FDCPA. For 3 years they have been holding my financial life hostage and only recently came to my attention. Despite many disputes with the big three credit reporting agencies section 806 has been ignored and they have continued to break and ignore the proper procedures set forth by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had my account with Citibank for about two years. I had slipped up where I would fall behind and had to put my account back to positive status. Today I tried using my card at several different places, and all transactions declined. I, had a loan for about {$1700.00} to be sent to my account, it was sent on Thursday and I receive the funds the Friday morning. My account before the deposit was never in a negative balance. I used it XXXX when I deposited {$3.00}. Now today, I spoke with a rep on the phone, and a supervisor, they could n't tell me a legitimate answer to why my account was blocked. All they tried to say was that I overdrew last year, irrelevant and that I have n't use the account in a month or two, also irrelevant. So they told me to visit a branch, which I ca n't because I work tomorrow and that I can not make it. They never explained a relevant reason why I needed to go to a branch to fix my account. People use the bank to trust them that everything will go right, why would you block my account without notifying me of any wrongdoings.

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 2022-01-27
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
AMEX YOU ARE BREAKING THE LAW!!! 

I have reason to believe and do so believe that this company is blatantly DISCRIMINATING against me. I have applied for multiple cards on multiple occasions and this bank holding company continuously deny me my right to credit. Per the equal credit opportunity act 15 usc 1691 it is unlawful for any one to discriminate because I have in good faith exercised my right under that section. I am a very frustrated consumer because this company has made it hard for me to extend credit to others. I dont care to continue to use cards from multiple institutions, I rather have all my cards from one bank for the sake of simplicity. Your constant denials is causing me to continue to lose confidence in the banking system and is making me not want to extend credit to any banks and making me not want to continue to allow any banks to profit off of my securities. It is essential that I receive the cards to continue to help money move around. It is unfair that i am being denied when bank literally are dependent on me as a consumer to keep money and credits flowing. Im demanding the cards be issued to me. Im fully aware that pursuant to 15 usc 1681m being denied is considered an ADVERSE ACTION against me per federal law you all can be held civilly liable for doing such and not following the laws. I am in fact an administrator per federal law 15 usc 1692c ( d ) and im aware I have and open end consumer credit plan. So as a consumer and customer i am demanding these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My originally loan was with XXXX XXXX, the loan was sold to NAVIENT. I paid an amount upfront so I wo n't have a payment until XXXX. I have been repaying my loans since XXXX, I graduated at XXXX. Every time I had asked them to provide me the total interest I paid, they referred me to a loan consolidation so they can charge more interest. My original interest was 3 %. I asked them many times to provide me a discounted payoff options to no avail. As of now, I do not have the information of how I still have $ XXXX and change remaining making payments for so many years. I would like cfpb to look into my loan accounts and provide me this information as Navient has not. Also, why would n't they offer a payoff option so one can cut their interest rather than inviting us for forbearance, consolidation, etc where it adds to the interest rate? This seems to be a highway robbery. Please look into this for me. Much appreciated. XXXX XXXX Tel : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have filed a dispute with FOCUS FINANCIAL SERVICES in regards to two incorrect items on my credit report enlisted a bill for {$100.00} and {$500.00}. Send out numerous letters and its even well over 30 days and I hadnt received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: CA
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:
I went to buy a car at XXXX XXXX about 8 days ago. Now I have purchased several cars in my past and after my report gets pulled several lenders look at the report but it only gets pulled XXXX. Well I check my report extensively and they did XXXX hard inquiries on my credit. The last time I went to XXXX XXXX XXXX 6 months ago to buy my last car it got pulled XXXX time only but I got several offers. This is beyond unacceptable as this now hurts my credit for 2 years plus. This can not be right to do to someone as they just kept repeated to pull my credit???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I went to buy a car at XXXX XXXX about 8 days ago. Now I have purchased several cars in my past and after my report gets pulled several lenders look at the report but it only gets pulled 1x. Well I check my report extensively and they did XXXX hard inquiries on my credit. The last time I went to XXXX XXXX XXXX 6 months ago to buy my last car it got pulled one time only but I got several offers. This is beyond unacceptable as this now hurts my credit for 2 years plus. This can not be right to do to someone as they just kept repeated to pull my credit???

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 2022-10-07
Company: Valon Technologies, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Valon Mortgage. I have my home insurance and flood insurance impounded into an Escrow account. Valon is stating they require WIND insurance in my home policy. My insurance agent has sent them my entire home insurance policy which shows wind damage is included. They continue to require me to get wind coverage and are forcing me to pay for their policy, which is over {$2000.00} annual policy. On XX/XX/2022 my insurance agent sent the Valon Agent XXXX this response : XXXX : It was good speaking with you a few moments ago. As discussed heres a copy of XXXX XXXX full policy showing NO EXCLUSION for wind claims. Please have Valon mark this matter completed and cease and desist all force placed coverage actions. 
XXXX then closed the matter. On XX/XX/2022 I received a call from XXXX stating that Valon reviewed my homeowners policy and I do indeed have Wind coverage. On XXXX  XXXXXXXX XXXX I received another letter stating valon will be requiring that I have a seperate Wind Policy again. I want to make a complaint under the below " insurance not considered force-placed insurance '' https : //www.consumerfinance.gov/rules-policy/regulations/1024/37/ # a-1

Company response to consumer: Closed with explanation