BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 I attempted to make a purchase of {$160.00} and wanted to use my PayPal Credit Card. I have it set as my default, preferred method of payment. PayPal has denied me access to the card and the ability to even use it for any transactions at this point. When I go to choose the method of PayPal payment, the only choice is another credit card that is general purpose through a different financial institution and an interest rate over 16 %, whereas the PayPal credit card has a promotion of 6 months no interest for purchases over {$99.00}. PayPal, through the denial of access and use, has made me make the purchase using another method that charges me interest. I have called on this issue previously, but since my last inquiry and questioning as to why it doesn't work the ability has been removed completely to even make an attempt at using it. The financial institution that actually provided the credit card is XXXX XXXX and states that there is no problem or issue on their end with me using the card. I have over {$1700.00} available. PayPal appears to make the decision on whether I am able to use the card issued by XXXX XXXX  although PayPal has no risk involved in the transaction. I have attached the PayPal User Agreement and highlighted their language. I have never received a reason for denial in writing. The Account Limitations section does not apply to me. I verified who I am and I am not a seller. No issues have been reported from my debit or credit card issuers. There was no fraud being attempted. XXXX XXXX even stated that there are no issues. This was not an error. 
PayPal did not attempt to hold payment, they denied access and use of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
regions bank holding charges yo cause od to be higher again CFPB Fines Bank  $ XXXX for Overdraft Violations, With $ XXXX More in Redress still doing same thing

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 2018-09-18
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2018 my daughter, XXXX called the customer service number for Chase Bank XXXX to close our joint checking account because me moved to North Carolina where there are no Chase Bank branches. The balance in the account was {$2500.00}. XXXX advise the representative of our new address which was different than the North Carolina address they had on file. She was told that we should receive the check in 7-10 days. 

We called Chase Bank again on XX/XX/2018 because we had not received the check and were advised they had mailed the check to the wrong address. When we advised the representative ( XXXX ) we were told that we'd need to go into a branch and complete some paper work for a lost/stolen check. We advised the representative that there are no Chase branches in the state of North Carolina we were told that we'd have to go to the nearest branch which is XXXX miles away. I was told they could not do anything further. I asked to speak with a supervisor and was told the supervisor would tell me the same thing. I insisted and was transferred to " XXXX '' who advised me that he could submit a research request on my behalf on the check. I advised XXXX that I know that we did not receive the check, and that we would not receive the check because they mailed it to the wrong address. I asked if they could place a stop payment on the check and reissue another check in its place and mail it to the correct address. XXXX advised me that he would " take care '' of if for me and I should receive the check in about 7 days. 

On XX/XX/2018, I called Chase at XXXX to advise them that I still had not received the check. I was told by the representative that the check was processed on XX/XX/2018 and I should have received it on by XX/XX/2018, but because of the Labor Day Holiday on Monday, XX/XX/XXXX it would take an extra day. 

On XX/XX/2018, I called Chase at XXXX and spoke with representatives XXXX then XXXX who advised me that they would have to submit a research request and someone would call me back that day ( XX/XX/XXXX ) On XXXX XXXX, I received a call from XXXX at Chase Bank who advised me that they had received the check back. I asked what happened to the other check that they processed on XX/XX/XXXX and was told there was no other check issued. My next question was, why would all of your other representative lie to me about mailing out the check? Which she only apologized for. She advised me that because the amount of the check was more than {$1000.00} that I would have to complete affidavits. I asked why since they already had the check in question in their possession. She told me that she would personally take care of it and get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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:
5/3 Secured Credit card complaint -Contacted bank on this date for refund process : -Contacted bank for a follow up after XXXX business days : -Bank Canceled my check after stating that I would like to just wait rather then canceling, getting a call back from supervisors supervisor. XXXX said on pre recorded line that it wont be canceled. 

-Followed up next business day to find out that the check was indeed canceled so talked to another supervisor about the situation, and they issued me another check When I called back on Saturday XX/XX/XXXX almost a month after issue date, They asked about my zip code and realized I moved. So this entire time I figured they knew I did when pulling up my account but they realize at the fourth refund check they have been confirming the incorrect zip so identity theft could have occurred. On Saturday they issued me another check. 

Today after I cashed a check for cash from work I followed up on the case and the lady said that the check was not even issued Saturday XX/XX/XXXX so XXXX XXXX on the phone trying go get this check issued the XXXX time. I asked on the phone what date on business day would be the latest the check should arrive. He will be escalating me to supervisors voicemail as well so he is inform I have been in contact with the CFPB. 
I would like the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported my card stolen, deactivated it and requested a new card, which I never got. Instead, I got an alert on the app that the new card had been swiped at XXXX 's XXXX for XXXX. While the transaction was still pending, the bank told me they could not intercept it. They told me the bank automatically activated the debit card before I received it. I never requested or Authorized this activation. Is this legal?

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XX/XX/23 I logged into my Transunion paid subscription account so that I could unlock it as I was seeking credit. It kept giving me an error that said " invalid credentials. '' I called customer service spoke to a representative and they said I had 2 accounts. One paid and one free. I told the rep that I only have 1 account and I pay XXXX a month and it automatically comes out of my account. The rep stated they believe that was why I was locked out. The rep sent me multiple reset password links and they would not work. The rep said that they could delete the free account and see if it lets me in. I tried again with the rep and it would not let me in. The rep then said they needed to transfer me to a supervisor because it was not working. The rep transferred me to a supervisor and then the line disconnected. I called back and got a different rep. who did not really try to assist he just sent a reset password and told me to try it in 10 minutes and ended call. I waited tried the link and it still did not work. I had work so I could not call back as I had already spent an hour trying to get this resolved. on XX/XX/23 I called again and a rep was trying to help me and the line disconnected again. On XX/XX/23 I called again and a rep by the name of XXXX tried to assist me. This rep then said that my account was deactivated by my request. I explained to her I would never cancel my account I have had it for almost 10 years and that is how I monitor and protect my credit. I asked that all the calls that I have made to Transunion the last 3 days be pulled and reviewed and for them to correct my account. The agent said they need to get me to a supervisor. In the process of speaking to the supervisor the line went dead again. I called back got a rep who said they would just set up a case and have a supervisor call me in 24 hours. I have not received a call back. I believe Transunion deliberately closed my account because I have an account that is XXXX that I have had for years and they now charge XXXX for that same account today. All I want is my account fixed and reactivated or give me back the last 10 years of my monthly payment of XXXX per month.

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 2021-01-14
Company: Continental Services Group, Inc. d/b/a ConServe
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is being sent to you in response to a notice sent to me on XX/XX/20. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately :

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 2022-10-06
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX Balance : {$580.00} ; XXXX  XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Have had difficulty resolving a dispute with my credit report involving an account with XXXX XXXX. I am a victim of identity theft. Requesting my credit report be updated to reflect the information. Please note I submitted information prior and Transunion has not timely resolved this.

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 2019-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Capital One credit card around XX/XX/2019 and a message popped up saying needed further reviewing. I did receive a email letting me know the process could take up to 7-10 business days. After waiting about a week, I called the number to check the status and the automated system told me that my application is still under review. After waiting 4-5 days, I still have not heard anything. After a week, I called back and the same recording that my application is still under review. I received an email letting me know that I needed to mail or fax over my ID and social security card in which I faxed over my Driver 's License, Social Security Card and a copy of my new lease agreement. After waiting another week, still no response back. I then received a a letter in the mail asking me to send in a copy of my ID and social security card. Again, I faxed over these documents with my lease agreement so they could have my current address. After a few more days, I kelp calling to check the status and the same results again. Today on XX/XX/2019 I called Capital One number at XXXX and spoke with a gentleman and explained to him my concerns. He asked me for personal questions and for my social security number, date of birth and my phone number. He stated to me that, he did see my application and he does have a copy of my driver 's license and social security card but never mention my lease I sent in. He said after reading the notes, that there was some information that didn't match and that I had to go back online to reapply. I asked him why if I'm going to be putting in the same information as the first time. He said, that's what the system is telling him. I asked what would be different and would it be another HARD INQUIRY and he said YES it will be. I was shocked of what he was saying to me. I never heard anything from them after 15 days and I had to call just for him to tell me that information. Why did I not get a letter are via email explaining that information to me? This is unfair action and I want something done about how I have been treated. I sent everything they asked for and more by sending in my new lease agreement and now they want me to REAPPLY adding a new Inquiry on my consumer credit file. That's not going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: NY
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: AES/PHEAA
State: OH
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:
Hello, I recently logged into my account on myfedloan.org in attempt to payoff a few loans. The website is actually pretty intuitive and easy to navigate, and I was able to quickly identify how much my payoffs are. The site makes you select : payments & billing, loan payoff, selections of loans, payoff date ( to calculate interest ), then your banking info. So I did these steps on XX/XX/19 and the system advised me that the 3 accounts I wanted to payoff totaled {$7700.00}. I made the payment, and double checked they were in fact closed XXXX. It shows that I still owed a interest amount that previously showed when I selected payoff from XX/XX/XXXX. I contacted them, the lady helping me was nice, tried viewing my issue, but couldn't give me an answer as to why it generated additional interest that in their screen shows me I paid off in full. Her answer was " you must have paid only principle not interest '' I advised her and offered to walk her through my screens, their system does not allow you to pay only principle, furthermore the payment history screen shows that I did pay the interest that is reappearing in error. Clearly it would be foolish to pay some obscure amount of money ( {$7700.00} ) for no apparent reason. I know their system advised me that this amount would in fact pay the loans off completely, please help identify what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting 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 was going through my credit report and found out that I had an inquiry that I am not aware of

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 2023-12-10
Company: DISCOVER BANK
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover bank closed my account on XXXX XXXX. I opened the account on XX/XX/2023. I used my card and paid the total amount before the statement report. Each statement report was XXXX. I didnt receive a letter about fraudulent Transactions and they closed my account without any reasons and that affects my credit score.

Company response to consumer: Closed with explanation