BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm inquiring to find out if Westlake wants to pickup or have me return this car. I am 20 days past due and have been harassed every day for the past 20 days. I Have been written up twice at work due to these disruptive phone calls. If this is how Westlake conducts business I'd rather you ask me to return your vehicle because this is insane. I am not going to lose my job do to your representatives constantly harassing me. I could understand if I was 1-2 months behind, but this is ridiculous. I explained to customers service in XXXX I had an unexpexted funeral to pay for and I would be less than 30 days behind for a while until I can get back on track. Why am I being harassed? The screenshots provided shows just one of the numbers calling. There are also calls from 3 additional other numbers. Constantly... all day. Please advise me if you want your vehicle back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 am submitting this complaint about syncrony bank/care credit. I have been having nothing but problems and issues with an existing problem ( charge ) that was fraudulantly done on the account from back in XX/XX/XXXX. This account is interest free for 24 months. The interest will incurr this XX/XX/XXXX if balance is not paid in full by then. Today I called care credit to figure out if the investigation is completed and my account credited back the {$510.00} that was fraud. I was told that the account needs to be closed and a new account number issued and a fraud complaint put back in. This is the 3rd time I am disputing this charge. The first time they credited the account then somehow added back onto my balance. I was also told today that they can't see back to far on the account as they do not have access to that far back. I am very upset as the balance they say we owe is {$1200.00} this is wrong the balance owed should be {$680.00}. We made 1 purchase back in XX/XX/XXXX. With no interest ( which I would like to note : there is still an interest added on this account for {$2.00} ) plus a late fee they were going to reverse which still has not been done. A dispute takes up to 60 days for completion. I am trying to get this resolved as I want to pay off this card in full before XX/XX/XXXX. I do not no what the issue is but I am being charged {$510.00} extra. Syncrony bank keeps saying they gave us the credit. Upon my husband taking the 1 initial charge minus the payments with no interest our balance is {$680.00}. I just made a {$300.00} payment today. I am also submitting another complaint as the minimum payment due each month when the card was opened was {$160.00} now the balance is signifiganctly lower and they want a minimum payment of {$600.00} this makes no sense whatsover. Balance going down minimum payment should be going down. They also lowered the credit line from {$4500.00} to {$1500.00} again which is very upsetting. This card would only be used for an emergency as to where they accept which is dental or eye doctor. I'm hoping by submitting this complaint through fustration with this bank that there will be some type of resolution and I can just pay off the card in full before XXXX when the interest would hit.

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 2021-10-22
Company: Social Finance, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was given the go-around by this company for about a week and a half. I was given different information each time I called about why my loan application was denied and what I could do to provide the information that was needed. After filing a complaint and waiting almost a full week to hear back from management, I was told that I had been denied because I could not provide information that was needed to verify my income and employment. I was told I would not have an opportunity to provide the information needed because they would not approve the loan regardless of me providing it. I asked why they would not consider working with me further and I was told that I could not know why I was denied, and there was nothing I could do. I asked many other times why I was not being given the opportunity to provide the information and the manager simply told me she could not tell me and that she was sorry. I feel that this was a discriminatory decision because of my XXXX last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX notice on XX/XX/23 from PayPal requesting money in amount of {$990.00} I did not approve this transaction. I called the customer service number in the PayPal app and got a man speaking in a XXXX XXXX  accent. He said the the payment was already processed ( eventhough I could not see it on my end ) but not to worry their company was going to credit my acct. all I needed was a computer so they could establish a secure site to transfer the money. This app they had me DL was very suspicious the screen kept going black for min at a time. The first time they attempted the credit my checking acct they said it didnt go through correctly so we would need to do two separate transfers. On the next attempt another glitch happened and the system xfrd XXXXXXXX instead of {$500.00} ( of the {$990.00}. ). I was told this was a huge problem that had to be fixed right away and I would need to go to a XXXX or XXXX  right away XXXX all I would have to do is swipe my card. I told them I did not feel comfortable w this & wanted to call my bank. They said I could not do this bc I was on a secure line and I could not under any circumstances end our call. The manager on the phone told me the IRS could already be involved and that if I didnt do as they say I could face federal charges. They said there were trying very hard to help me, and to prove so, if I cooperate with them they will give me a {$100.00} reward, but its extremely important that I hurry. Nothing they were saying felt right so I hung up. They continued to call repeatedly a half a dozen times. I immediately called my bank and they confirmed that the money these people had transferred to my checked account was actually pulled from my savings account. 
I wish to have all of my accounts flagged for any suspicious activity. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I found out that my rental lease wasn't going to be renewed and I was desperate to find a place to live. I found what I later discovered was a to good to be true deal on a house on XXXX. In such a hurry to get it I let my self get scammed by the person there... I sent a deposit for the house on XX/XX/2022 in the amount of XXXX  thru venmo. The next day I paid the first month 's rent of XXXX in 2 payments of XXXX  also thru venmo. Once I realized my mistake I immediately contacted venmo to dispute all 3 transactions. They refunded one of the XXXX payments to me and that was all. Since then I've contacted venmo everyday asking why they were only able to give me the XXXX  and not the rest. They have sent me the same pre-written email 4 times now and I am stuck in an endless support loop via email. In talking with them I found out that when I made the original dispute of 3 transactions they mistakingly only saw the one. They have froze the acct and can't do anything further they said due to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Commonwealth Health Corporation
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/20 I realized my paycheck had wage garnishment being withheld on my last 3 paychecks on Friday each week starting on XX/XX/20 til present XX/XX/20 in amount totally almost 500.00. This apparently is from a 4-5 yr old medical debt that I never received a notice of garnishment about. Why garnish a persons pay now during a pandemic for a 4-5 yr old debt when the person is lucky enough to even be working to receive a paycheck and are not having to rely on government assistance yet also to a point you can not even cover your expenses?? If they can locate enough info to contact my employer to garnish my check then they should have been able to contact me regarding this debt as well. I have tried to contact the original debtors, original collection agency, the law firm that apparently filed suit and also my employer to request information regarding this garnishment, the original debt, how much I owe and what kind of exorbitant fees are probably being charged but no one will or has provided that information Ive only gotten the run around. Due to the fact that everything is pretty much shut down and quarantined I have had issues trying to contact anyone to get what information I could on my own from the court system etc. My employer only provided me with the payees names of Hillcrest credit agency and XXXX XXXX XXXX for garnishment to be sent. The original creditor was XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I canceled service with XXXX XXXX XXXX XXXX in XXXX in XXXX XXXX  XXXX due to relocating to XXXX. The outstanding equipment was dropped off at the XXXX store on XX/XX/XXXX via tracking number XXXX and was confirmed as received by XXXX in early XXXX. I believed the account to be settled and closed and received no further mail from XXXX regarding a past-due amount. A collection account appeared on my credit report in early XXXX from collection agency XXXX XXXX XXXX XXXX XXXX for an outstanding balance from XXXX. I checked the XXXX account and found the equipment had been credited, then re-charged during a billing period of XX/XX/XXXX, XXXX XX/XX/XXXX ( when the account was no longer active ). I found it strange that the collection account was reported before the end of this billing period. I disputed with the credit bureau and the reporting disappeared. In XX/XX/XXXX, the collection appeared again on my credit report. I contacted XXXX directly requesting an explanation and providing the tracking information for the returned equipment. The representative confirmed the equipment was returned and credited and there was no further balance due on the account. The collection account fell off again until XX/XX/XXXX. In early XX/XX/XXXX, XXXX sent an automated email that they have transferred the account to Radius Global Solutions, LLC to collect the alleged debt. This is the second collection agency they have transferred this erroneous debt, after confirming the equipment was received and there was no further balance owed on the account on their end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XX/XX/2020 @ XXXX, I called XXXX XXXX XXXX and discussed a possible settlement for a debt I owed of {$710.00}. I spoke with XXXX along with my financial counselor being on the call. My counselor asked for a lower settlement. I could not make the settlement he initially offered of {$570.00}. XXXX said he could not accept our offer. My counselor asked for the payment address because I could not pay the settlement in full and XXXX refused to give us the payment address. Stated that our {$25.00} payment would not be acceptable. My counselor again asked XXXX what the payment address is and again he refused to give us the address. We informed him that we would be filing this complaint.

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 2021-10-21
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: Can't stop withdrawals from your account

Complaint:
Wells Fargo keep letting unauthorized use of my account and they are slow at updates on my account which put my account on negative. They deny withdrawing from me I have to call them to get it right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open my account with XXXX XXXX XXXX  back in XX/XX/XXXX-XX/XX/XXXX, in XX/XX/XXXX I tried to use my ATM card and I was notified that my transaction was declined, I went to XXXX XXXX XXXX  and they told me there is garnishment for some apartment company that has garnished my account and my account has been froze, I asked to provide me with the information of the company who garnished it, they told me that they will sent me those information to me when they get it from corporate office, as of today XX/XX/XXXX I still have not received any information regarding this, since then XXXX XXXX was purchased by Capital One Bank and I have gone to XXXX XXXX branch 2 times to close this account and I have been unsuccessful and last time I was in that bank they gave me number for the company that supposedly garnished my account and that number did not work. for years I have been receiving my statement showing they are charging my account monthly service charge fees and i am not able to get my money from XXXX till now to be withdraw, i received letter back in XX/XX/XXXX stating I have not used my account in last 3 years and either go to office withdraw or sign and sent attached documents which I did both and again they run me around, since that letter I have been getting my statements and most recent statement is from XX/XX/XXXX till XX/XX/XXXX still showing service charge fee and my money continue being reduced since year XXXX and now shows that i have {$830.00}. 
it has been over 20 years, this bank has been taking money from my account, no documents has been provided to me regarding garnishment from year XXXX for any apartment leasing, i have owned my properties and paying mortgage since XXXX and current home that i reside is since XXXX, since XXXX I have bought 4 homes and never been any issue with getting loan ad any one of the telling me that there is garnishment against me. I am not sure why this bank continue lying and deceiving me but I need my money return from year XXXX with all interest that I earned from that time. 
I have attached all the documents that could find uploaded in this email

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express charged me interest on charges that I had put into disputed status, THE DISPUTES ON WHICH ARE STILL UNRESOLVED TODAY, in blatant and fraudulent disregard of governing federal consumer protection law that PROHIBITS EXACTLY THIS! I detailed this for them in 3 phone calls over the last 2 months, but they refused to remove this fraudulent interest charge. They also refused my request to have all 3 of my calls transfered to a supervisor in the US! 

All of this despite the fact that I have always, EVERY month for the past 19 years that I have been with American Express, paid my ENTIRE undisputed balance in full and on time, as I detailed to them in those 3 phone calls. American Express is tired of not making an " extra profit '' off of me ; the float they earn off my SIGNIFICANT monthly charges is not enough for them! They have to try to charge me their OUTRAGEOUS interest that they do to thousands of their card holders! 

American Express is also doing this to retaliate against me for the prior complaint I filed with this CFPB detailing how I was unable to use my card at all over a 3 month period because, EVERY time I tried to use it, American Express put a LUDICROUS and FRAUDULENT block on every charge with an equally- ludicrous claim that the charge " appeared to be suspicious ''. EVERY one of those supposedly-suspicious charges was to a MAJOR, TOTALLY-REPUTABLE US merchant/vendor!! ! And then American Express had the audacity to wait more than 30 minutes on EVERY one of those blocked charges to send me a text message requiring me to verify that the charge was OK!!! By then I had obviously finished the on-line charge and/or left the store in question, having had to make the charge using a different credit card that I did NOT want to use!!! All of those charges went through on that other card with absolutely NO PROBLEM WHATSOEVER!!! Of course they did : they were NOT suspicious in nature AT ALL!!! 

If I have to pay this FRAUDULENT interest charge, I will sue American Express in small claims court to recover it AND ALL applicable/related legal costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Consumer Portfolio Services, Inc.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
So my XXXX year old wanted to get some air, we let him go in our front yard, thinking no one would dare come within 6 feet of him during a pandemic. However, XXXX XXXX XXXX sent a man to my home to deliver a collection letter and HANDED IT DIRECTLY TO MY XXXX YEAR OLD CHILD, risking the health of my family!!!! Most likely because we have a cease and desist on the phones due to all the dialer calls. Couldn't he just have posted it on the door, or walked to the garage door to tape it up?!?! My XXXX year old asthmatic grandmother lives here. CPS couldn't even wait for stimulus checks to drop before risking the health of my family, also our balance is now XXXX since the stimulus check came today. I am going to do everything I can to get our car loan out of their hands. As a former XXXX XXXX, I can fully accept standard debt collection practices under normal circumstances, but not in the middle of a pandemic!!! That is so risky and I hope they have not infected other households!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: TX
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:
I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. Here are the unauthorized inquiries in question : 1. XXXX  XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 2. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 3. XXXX XXXX AUTO FIN Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 5. XXXX XXXX All Banks- non specific Inquiry date : XX/XX/2020 2020

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 2019-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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:
XXXX XXXX transaction date XX/XX/19 -- Posted 09/05/19-reference # XXXX, account # XXXX XXXX I have no record of this purchase. Checked XXXX account, not listed in " store purchases or online. '' Contacted XXXX- '' We can't help you, contact the Bank . '' XXXX Filed fraud dispute with Bank of America XX/XX/19 Fraud dispute not approved by Bank of America XX/XX/19 Requested detailed document of what was charged through Bank of America . 
Received document, doesn't list which store, just says " general merchandise. '' Call Bank of America, told to go to the store and ask for specific information. 
XXXX Spoke with manager of store, told he has no records and contact XXXX  Customer Relations. 
Contact XXXX  customer relations, told to contact 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