BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a personal American Express Green Card since 1996. My payments are on time and up to date. I currently had a balance due of {$810.00} for XX/XX/XXXX. But without any prior notice or warning, my account was closed on XX/XX/XXXX. I learned of this when I went to my online account. On XX/XX/XXXX, I had a message to call their XXXX number. I called and the representative said it was a mistake " because someone reported fraud. ". the rep said my card was fine. When I checked my online account two days later, my account said 'CLOSED '. I made at least 3 different phone calls. At first, no one could tell me why my account was closed. Then, the rep forwarded me to another department for help. On XX/XX/XXXX, I spent 90 minutes on the phone with many different reps to ascertain what happened and why. I finally got an answer to why was my card cancelled " this was a business decision ''. the rep said I would receive a letter. I received a letter two days later with a very short explanation stating " your card was used for unintended purposes. '' Both my daughter 's and husband 's card was also cancelled. They did not receive any letter. The AMX letter is inaccurate and false accusation. I have NEVER used the card for an unintened purpose. I use the card properly. <P/>I really think this is outrageous that this can be done. I want to know what was the business decision. <P/>thanks so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
I have been able to work out the problem for me in this instance, but it is a serious enough issue I want to alert the CFPB. Elan Financial Services sent me a promotional offer through the branded name of St. Mary 's Credit Union. The offer included many details ( mostly mandated by law ) such as apr, use by date, interest, etc. What it failed to disclose is that these can only be drawn on up to 92 % of available balance. I calculated the transfer amount plus transfer fee to be within the available balance with a small it of leeway. I did n't take into account the 92 % rule, because I did n't know about it. When I spoke to them, they said it is disclosed in my CREDIT CARD terms and conditions. It is n't even on the fine print of the offer. Of course banks know that most people do n't read the T & C much less remember such details. Why would the not indicate this on the offer? I have no idea, but if I had n't caught it, I would have bounced other checks that this transfer was to cover. This rule is fine, but it MUST be clearly included in the terms of the offer.

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 2022-06-10
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I am aware of all my rights, that I have, and which are protected by the Congress under the Fair Credit Reporting Act. The list of accounts below violated my federally consumer rights to privacy and confidentiality under 15 USC 1681 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 also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete these accounts immediately according to law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: FL
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 been trying to get late payments removed from my credit report for over 60 days. I file disputes on their website, and when I didn't get any results/responses, I hired a credit company, XXXX XXXX and have been paying {$110.00} a month to get these removed. Letters were sent by this company over 45 days ago. 26 request only 1-2 removed. This doesn't make any sense. These late payments were approved by the companies during pandemic and all monies owed, since then have been paid in full. I also ask them to remove the company that ran my credit without my consent. Nothing is being done and I an getting frustrated and very concerned. I am trying to get approved for a home and they will not even consider my application until these disputes are resolved. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Mobiloans, LLC
State: MS
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:
Mobile Loans has reported a false information to my transunion report recently. They claim the account which was opened in XXXX of 2019 and closed in XXXX of 2019 was a revolving account and that is was charged off with no payment history, no last activity, no scheduled payment of account closed designator. this is a scam company. how can this be a revolving account like a credit card or line. this is clearly a high interest loan company due to my research. This account needs to be removed immediately. I've tried to explain this to transunion, but they hang up on me. none of information from this legal or accurate. 

They also violated my rights under 15 USC 1681s-2 and 15 USC 1681 section 602 A

Company response to consumer: Untimely response
Consumer complaint received 2021-11-26
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Please investigate the legitimacy and operational integrity of both the BB & T Bank, XXXX XXXX XXXX XXXX, NC XXXX Tel. XXXX XXXX and its subsidiary " XXXX BANK, XXXX XXXX XXXX XXXX, NC XXXX regarding fraudulent account -- -- -- -- -- XXXX : XXXX. 
These entities failed to follow Authentication protocols regarding said account subsequent to accepting and approving an online " Business Value Checking Account '' application of a person ( s ) claiming to be myself. Please contact me if more information is needed. 
cc. FTC, US Postal Inspection Service. 
Wrt stated banking institutions. Attempted telephone resolutions to close the account have failed in part being consistently disconnected. Ambiguous assistance and follow thru reconciliation.

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 2017-10-18
Company: Experian Information Solutions Inc.
State: ID
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:
XXXX XXXX. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XXXX XXXX. 

We took out Chapter XXXX Bankruptcy on XXXX XXXX XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw XXXX XXXX checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

XXXX XXXX is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our 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 2021-07-23
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Received Trial Period Plan from Shellpoint Mortgage servicing XX/XX/2019. 
I've made 2 of 3 trial payments, received property foreclosure sale letter from foreclosure attorney XXXX, XXXX, XXXX XXXX XXXX. 
Please postpone property foreclosure forXX/XX/2019. 
How do you foreclose on my property when I'm in a trial plan? 

Please Help!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, INC.
State: ID
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:
XXXX XXXX. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XXXX XXXX. 

We took out Chapter XXXX Bankruptcy on XXXX XXXX XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw XXXX XXXX checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

XXXX XXXX is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of america closed my two accounts without any warning or anything. One has been open since XX/XX/XXXXand other since XX/XX/XXXX. They said it was closed due to they could not verify the authorized users. What if maybe i input their info wrong or a discrepancy on users end of the information. I have all their info such as license, social, bills etc to prove their identity and boa does not care. They pretty much said too bad your terms and conditions have expired. Yet let alone never ever have had a late payment or issues with them on these two accounts but they decide to close them without notice or communicating to fix the situation. I even told them to remove all the authorized users and i wo n't add any back and they said no. I 've been a boa customer for over 12 years but i guess that does n't 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 the following accounts are in dispute : XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX  Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX Account # xxxxxxxxxxxxx XXXX, US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2022-06-10
Company: RoundPoint Mortgage Servicing LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
roundpoint mortgage servicing corporation sold my mortgage to XXXX  XXXX  corporation but they reported to XXXX that the account was closed as a result this affected my credit score. they did not report they sold it.

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 2019-07-24
Company: HYUNDAI CAPITAL AMERICA
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I got a letter from XXXX XXXX telling me that I owe a balance with Kia Motors. I was very confused because this car was totaled out due to an accident and the loan had gap insurance. 
I reached out to XXXX XXXX, to see if they could prove me information on the account but they couldn't. All I was told by XXXX XXXX that he wanted XXXX a month for the payment plan and if I didn't agree to that then they were going to garnish my account on Thursday of this week. I can't afford that, I'm on social security and XXXX. XXXX XXXX was cruel and very mean. I hung upon him. I called my daughter and asked her to find out what was going on with this debt. She tried to contact them and got XXXX XXXX and he told her that she had to pay XXXX per month for the payment plan or they were going to just start garnishing her too. 

I just got the notification, how did I get sue on this account. The abuse I'm getting from this collector is ridiculous, over a XXXX debt, that I was told by the insurance company was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Hello so on XXXX, I was contacted by someone pretending to be XXXX XXXX owner of XXXX located in : XXXX XXXX XXXX KY, XXXX. 


So the scammer contacted me through XXXX XXXX pretending to be XXXX since I was looking for a pair of sneakers. We talked and everything and agreed on a price despite there being red flags. We agreed on PayPal friends and family payment. Lucky for my wallet the funds did not go through the bank linked as my payment method ; However, PayPal ended up sending the funds and remained pending for around 2 days or so thinking the movement will be canceled since the funds were never there in my payment method. Once this happen I contacted PayPal to have the movement cancelled since the person getting the funds is a scammer and i was told the transaction wont go through. 

Forwards a few days later my PayPal account was at a negative XXXX and I made an attempt to dispute the negative balance even dough no funds were ever taken from the bank account. I got constant emails about the overdue negative balance and I reached out to XXXX for help but nothing. I looked into the terms and conditions for PayPal more specifically terms and conditions for sending money to another PayPal account. I never found anything stating that if the payment fails due to insufficient funds, PayPal themselves will pay for the transaction and charge my account. 

I reached out to a PayPal customer service representative to see if they have any knowledge and if so where would I find such in PayPal terms and conditions or anywhere. I attached the conversation. To summarize it, the agent mentioned that paypal will send the funds anyways even if PayPal is a payment processor and that this is not mentioned in the terms and conditions. Basically PayPal is acting without informing or mentioning the user before/after using their service. 

Later on PayPal sold the negative balance ( PayPal account ) We are writing to let you know that we sold your PayPal Account ( identified below ) to XXXX XXXX XXXX XXXX XXXX 


Please review this case since Ive contacted the XXXX and they have been of no help and PayPal blocked me from accessing the account making me unable to take screenshots of me contacting them about the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$310.00}, original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$610.00}, original creditor XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00}, original creditor XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-06-10
Company: DISCOVER BANK
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: Card was charged for something you did not purchase with the card

Complaint:
A discover bank credit card was opened in my name on XX/XX/2020. This card was charged up to {$910.00} without any of my knowledge by another individual I have no contact with. I am unable to interact through payments or canceling the card as I have no knowledge of the full card number or account name it is under.

Company response to consumer: Closed with non-monetary relief