BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference lD : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Square Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not only was I unaware a Square account was in exsistence for me that was in collections I am also not connected with a company that is the owner of this debt. I was told the debt is 4 years old. I am just hearing if it and Square is wanting to prove my high school reunion is seperate. They wont allow me to speak to someone to sort this out. I was asked my social security number and told I must pay $ 2100+!? 

No rights, no letter and no proof they have me on some business document. Is this legal? They are going to take {$2000.00} from my reunion. I dont even know who or what the debt is. 

XX/XX/19 I get an emai that says they are debitung my bank account for over {$2000.00}. I call and speak to someone who cant see why. They email me that the matter is closed I need to pay or prove the accounts are not related. I got this email today. 
Hi XXXX, Weve confirmed that the account XXXX.XXXX associated with " XXXX '' is connected to XXXX. Article 15 of Squares Payment Terms allows Square to offset any funds you owe us with the balance of any other Square account connected to your business. Weve exercised our right to offset your dispute-related debits from the available funds in the connected account. 

This investigation is closed and the decision is final. If you would like us to reopen this investigation, please provide us with government-issued formation documentation that certifies the businesses associated with your two Square accounts as separate entities. 

As a result of the offset, a debit was initiated to your linked bank account in the amount of {$2200.00} on XX/XX/19. If your bank account doesnt have enough funds to cover this full amount, any withdrawn funds will be returned to your account per your banks schedule. Alternately, please respond to this email with a dollar amount that we can schedule to debit from your bank account to cover this negative balance on a weekly or monthly basis. 

Were not able to provide phone support for offset-related questions, but Im available to discuss this matter directly with you over email. Looking forward to hearing from you and helping you get your account back on track. 


Best, XXXX XXXX XXXX ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, I was feeling very XXXX, XXXX, and ill amongst other symptoms. I felt like I was going to XXXX. The nearest medical facility I could get myself to was XXXX XXXX XXXX in XXXX  XXXX, When I arrived, I presented my medical ID card ( I have XXXX XXXX to front desk and explained my XXXX. I was later diagnosed w/ XXXX. A few months later, I received a bill in the mail. It is state law that for XXXX covered patients, a bill should not be provided to a patient for medical emergencies. I gave the bill to my health plan and they covered some of the bill and XXXX XXXX sent the remainder of the bill to this collections company-who I have no knowledge of or have no prior dealings with. This has affected my credit score. I have tried to work this situation out with XXXX by explaining state law and seeing if they can work with my health plan, I have also tried to send a complaint via CFPB as well because they threatened me on numerous occasions to send this bill to collections but a bill should have never been sent to me to begin with due to state law. Now the collections company is sending me bill collections for a debt that is not due/owed. XXXX XXXX went against state law and now my my credit is affected by that with this collections agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: MA
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:
Dear Credit Bureau Manager/Leader ; Listen, Im extremely upset, stressed, shocked that you havent legally verified these accounts that Ive screenshot below. Its impossible that you couldve legally verified or investigated these charge-off or collection accounts because it continues to report incomplete, unverifiable, misleading, and erroneous information into my credit report. Its my understanding reading the consumer laws under the provisions of FRCA, FDCPA, and FCBA, FCC, etc.

For example, in order for these accounts to be reported on my credit report, it needs to adhere the consumer guidelines, and it needs to be 100 % accurate, 100 % verifiable and 100 % timely. Every factor of these accounts to be as accurate as possible. 

Unfortunately, when I called and reached out to these companies, its either got transferred or reporting questionable balance, inconsistent dates of last payment, dates of last reported, dates of last active, dates of last opened, inconsistent payment history, and inconsistent account status, and high credit balance should be higher than the actual balance. Therefore, these accounts are unverifiable and incomplete, and misleading. This is illegally causing these accounts to illegally re-aged and its in violations of FCRA. Please delete these accounts from my credit report immediately from my credit report and send me an updated credit report once it has been deleted. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Pro collect in XXXX, Texas, I reached out to them, to inform them that I dont know anything about the Debt and requested information. They informed me that it was from a company called XXXX. I asked for information regarding the Debt since Ive never received any information About an amount that was owed. The request was for an itemized bill, date of service, what services were rendered, and who rendered the service. I was told that, I was told it that request have to be made via email or in writing, and That I will need to pay the bill, whenever I persist to ask questions, I was hang up on. In addition to my request for info via phone I attempt to send an email, but the email address on the letter Was not correct, I called the company again today I was given a different email address, and a demand for payment via credit card was made, when I refused, and again requested information, The young lady hang up on me, Once I told her, if they did not provide the information to me, I would contact the FTC. I sent an email after I got the correct address, requesting the documentation again.

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 2021-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was charged over XXXX from XXXX XXXX XXXX. 

XXXX admits that they do not know exactly why my bill was so high and that they don't have an itemized bill they can provide. Ive been on 3 way with a capital one agent who heard them admit such and they have still continued to try and collect on a debt that can't be verified. They also continue to report to my credit agency knowing the information provided about my amount is inaccurate,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/XXXX, I purchased a Used Vehicle from USAuto. a XXXX XXXX XXXX that came with a Warranty and also an extended Warranty. On XX/XX/XXXX my car stopped at a red light and never cut back on. I reached out to the warranty company XXXX and was advised to have the Vehicle towed to the Nearest XXXX XXXX to have it evaluated on that following day when they opened. that Sunday the XXXX I received a call from XXXX XXXX giving me a number to call about the Warranty coverage. It was not the Warranty Company. it was Westlake Portfolio and they informed me that they were a debt collector company and they have taken over all accounts from USauto.I was also informed that USauto had filed Bankruptcy. I explained to the rep that my car was in the shop and the bus bar and wiring harness that needed to be replaced was covered under warranty. I was then informed that they would not honor the warranty that I was actively paying for in my car note bi-weekly and I would need to make arrangements to pay they XXXX out of pocket and a new car note. I asked for proof that this company had my contract since it was a debit collector, and I was not pass due with the any Usauto payments and I never received anything. My Credit Shows that the Account with USautosales is closed paid in full now, Westlake is now coming after my credit every other day saying that I have a contract with them and again when asked to provide the contract I never get it, all this over a car that does not run, nor do I have possession of. If I am paying for a warranty and the contract is sold the Warranty should be valid and Westlake is not honoring the Warranty and I do not have any type of pf contract with Westlake. My credit score has dropped XXXX points in the past few months because of Westlake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Capital One Customer Service, I am writing to bring to your attention a series of concerning and, in my view, unlawful actions taken by Capital One regarding an account that has negatively impacted my credit history. I believe that Capital One has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Failure to Notify Statute of Limitation Expiry : I have recently discovered that Capital One has been reporting an account, ending in # XXXX, as an outstanding debt that I Allegedly owe. However, the statute of limitations on this account has expired, and Capital One failed to notify me of this fact. This action violates the FCRA, which requires creditors to report accurate and up-to-date information. 
XXXX. Ignoring FTC Identity Theft Report : I previously submitted an Identity Theft Report to the Federal Trade Commission ( FTC ), reporting that the aforementioned account is a result of identity theft and does not belong to me. Despite this report, Capital One has continued to pursue collection activities and report the debt as if it were valid. This disregard for the FTC Identity Theft Report violates the FCRA and FDCPA. 
3. Failure to Provide Contact with My Signature : Capital One has failed to provide adequate verification of the debt in question, including the absence of a signed agreement or any other form of documentation bearing my signature. This omission raises serious doubts about the legitimacy of the debt and violates the FDCPA.

4. Unauthorized Reinstatement of Reporting : I also observed that this account stopped reporting at one point but was inexplicably reinstated without any explanation or notification from Capital One. This action raises questions about the accuracy and integrity of Capital Ones credit reporting practices, which is a violation of the FCRA. 

I demand an immediate and thorough investigation into these violations and the removal of the disputed account from my credit reports. It is imperative that Capital One rectifies these matters promptly to avoid legal action. I am prepared to pursue all legal remedies available to me if these issues are not addressed satisfactorily within a reasonable timeframe. 

I kindly request that you provide a written response to this complaint within 30 days, outlining the steps Capital One will take to rectify these violations. Failure to do so will leave me with no choice but to escalate this matter through legal channels. 

I refuse to pay this debt that does NOT belong to me. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 complaint is in reference to a Bank of America Credit Card ( XXXX ) that still is being reported by the Credit Bureau that it still has a balance owed of {$8400.00}. I filed a Chapter XXXX on XX/XX/XXXX, because of lost income and could not keep up with my payments to Bank of America. This debt was named in my filing and my Bankruptcy was XXXX on XX/XX/XXXX. I have made several attempts to dispute this inaccuracy, without resolution for almost five years. I applied for a mortgage in XXXX of XXXX and they informed me that I still owed Bank of America for this credit card. After their internal investigation and me giving them my Bankruptcy Account Order number ( XXXX XXXX  ), I was able to get approved for the mortgage. However, this particular situation continues to be a major problem whenever I want to apply for credit. Most recently I applied for a personal loan and the Loan Officer stated that I owed Bank of America and what was the reason the balance was still outstanding. I had to supply him with my Bankruptcy XXXX  paperwork that included the liquidation of this debt from the credit card. I need assistance in getting this problem resolved immediately, it continues to haunt me and is a great distraction and embarrassment as I move forward to rebuild my credit and life. 

Thanks, I can be reached via email at XXXX or by phone at ( 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 2019-04-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX at a track meet at my XXXX XXXX. My phone had my Wells Fargo Online account and card info on it. Over the next few days, the thief began to make large purchases and withdrawals, including a {$700.00} purchase at a XXXX I've never shopped at in my life, a {$200.00} ATM withdrawal at that same XXXX, and a {$2800.00} XXXX transaction. I called Wells Fargo numerous times to tell my story and create claims, only to be put on hold for large periods of time. When I was finally able to get my claims through, my Wells Fargo online account began locking me out numerous times. I was unable to get in for a few days. I called and found out that Wells Fargo themselves put a block on my account. After an hour of being on hold, I also found out that they had denied my claims. Although the {$2800.00} transaction had been reversed, my {$900.00} has yet to be returned. As a XXXX XXXX XXXX XXXX  planning on going to college, this is simply unacceptable. I quit my job recently and have no means of getting my money back. All charges were fraud, I never made any purchases at XXXX or XXXX. The history is in my account, the majority of all of my purchases have been online, and again, never at a XXXX in 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 2023-01-23
Company: BILL.COM, LLC
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a Business Checking account with XXXX, who on XX/XX/2022 suddenly terminated my account. I immediately reached out to customer support, and was notified by XXXX on XX/XX/XXXX that they had discontinued their Credit Builder service. As such, they would return my funds ( {$120.00} ) within XXXX weeks. 

On XX/XX/XXXX I reached out again, having not received my funds and being unable to withdraw them manually. XXXX assured me my funds would be transferred within 57 business days to my linked checking account. 

As of XX/XX/XXXX, it is now 2 weeks since that last contact and more than a month since the first, my funds are still frozen, I am unable to withdraw them manually, and my Debit Card has also been canceled. I am locked out of my account, unable to access my money, and being lied to repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been banking with Bank of America since XXXX, I have had the same account number for over a decade and all of a sudden on XX/XX/XXXX I try to log I my account and I cant. I call and all I am told is that my account is closed and no reason or warning is given other than a deposit agreement that says they can close my account at anytime, just because they ; does not mean they have to. And after banking with them for over 13 years, I want to to know why. I have deposits and credits and payments coming out of that account and it will all be canceled now and I cant change it because it is too late. If I am charged Any fees from my other accounts as a result of this, I will be suing Bank of America.

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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX  XXXX Balance : {$100.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXX XXXX : {$260.00} - Date of Last activity are showing different dates this is inconsistent and a violation please remove. 

XXXX XXXX Balance : {$3100.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account Immediately XXXX  XXXX XXXX Balance : {$4300.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$7500.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5300.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance : {$2800.00} - This account is reporting twice and the original creditor has not reported it as transferred or sold. Please remove.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, my name is XXXX XXXX and I had Wells Fargo as mortgage company when I bought my XXXX XXXX XXXXXX/XX/2010. 
Will I be part of the cilvil suit, can you look me up

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 2021-01-12
Company: Io, 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:
I XXXX XXXX XXXX XXXX am the original creditor, natural person and consumer and I have recently obtained a copy of my credit report and noticed an unauthorized account being reported. I did not give written consent for the unauthorized account to be reported against my consumer credit report which is a violation of my consumer privacy rights under 15 USC 1681 A. I have not entered into any agreement with REC MGM Systems and demanding a validation of this alleged debt by way of contract that gives REC MGM Systems grounds to collect a debt from me. To be clear a statement is not a contract. REC MGM Systems is also in violation of 15 USC 1692 E 2 ( A ) and is causing me grave distress and ruining ( 15 USC 1681 ) my reputation by continuing to report this alleged debt on my consumer credit report.

Company response to consumer: Closed with explanation