BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: Paypal Holdings, Inc
State: VA
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/XXXX I attempted to make an order on XXXX using PayPal as my payment. The payment was to be in part from my PayPal Balance ( about {$160.00} ) and in part from a credit card stored on and used through PayPal ( about {$100.00} ). 

There was an error in the process of placing my order and I received an error code from the website stating the order did not process. However, when I checked PayPal, my funds were removed from my PayPal account and a hold for the {$100.00} was placed on my credit card ( confirmed through my XXXX app ). 

The next day I contacted XXXX to be sure the order had not gone through. They assured me it had not and they had no access to my funds as the order had not processed. 

I attempted to contact PayPal via phone to check on the status of when my funds would be released. The customer service phone line provided an automated message that there were no customer service representatives available by phone and a chat through PayPals website was the only way to resolve the issue. I have received the same exact message on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at varying times of the day, even after a customer service representative online through PayPals chat told me I should call in for help AND a supposed PayPal Supervisor through chat also suggested I call in for help. 

Every day- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have contacted PayPal through their support app to try to get my funds back. Everytime they have stated it is on the merchant and told me to go back to the merchant. PayPal states they can not give me my funds back until XX/XX/XXXX and only the merchant can do it prior. 

I have called the merchant now twice and been assured that due to the website error they in no way have access to my money and can neither claim the funds nor refund them as they never gained access to them. 

PayPal refuses to return my funds to my PayPal account or take the hold off of my credit card until XX/XX/XXXX, nearly a month after the error in taking my payment. My only recourse is to continue trying to get them to take action through their PayPal chat which can take hours for a response, is always from a different person who had clearly not read the entire string of communication, and never results in any progress towards my refund. 

Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: Direct Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have already submitted a complaint and the company called Direct Recovery ignored the complaint and keep harassing my sick mother. They have ignored the first complaint submitted to you and now I expect you to take action. They have broken the law when you told them to stop. The phone call was made today XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I fell victim to a multilayered scam operation orchestrated by XXXX ( XXXX ) ( the Company ) with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Coinbases services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to try and open a account at seacoast bank and they said that they couldnt not it and I had this same problem the last time and I need to get off your list it not right to put me on this list

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My issue is related to the CARES Act payment pause. I have a series of federal student loans, which were under the XXXX plan. I decided to make voluntary payments ( one as a direct transfer on XX/XX/XXXX and the other as a private student loan refinance on XX/XX/XXXX ) i during the pause. However, my financial situation has changed. I have requested a refund of those payments, as allowed by the CARES Act and regulations, so that I can return to my XXXX repayment plan with reinstatement of my federal loans prior to these payments. MOHELA has started the process on the payment made directly on XX/XX/XXXX ( based on a phone conversation with them on XX/XX/XXXX ), but they have provided confusing and mixed advice about the payment made on my behalf by the private student loan folks. I have attached their email messages for review. The first ( XX/XX/XXXX ) said that they thought it was handled already ( which it was not ). The second message ( XX/XX/XXXX ) said that private loans are not eligible for a refund. I agree with this part. However, the payment pause is a different and unique situation. The private student loan refinance payment was a payment made on my behalf during the payment pause, and I am asking for the refund of that payment and reinstatement of my federal loan package. As soon as I receive this refund, then I can pay off the private loan with the proceeds. The third message ( XX/XX/XXXX ) then stated that I'm not eligible for a refund of that payment because it was made before a consolidation/refinance. " If you consolidated your loans, you can't get refunds on payments you made before consolidating. '' However, this guidance applies to loans that were consolidated on a federal basis ( see attached reference ). Analysis from outside student loan advocacy groups suggests that payments made on behalf of borrowers are eligible for refund of payments during the pause ( see attached reference ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last Updated : XX/XX/XXXX at XXXX XXXX. XXXX First Published : XX/XX/XXXX at XXXX XXXX ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXX AND XXXX REMOVED.

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 2023-05-05
Company: ALLY FINANCIAL INC.
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened roth ira account. Deposited {$10000.00}. Ally Bank has refused to allow access to the account for nearly a year. Deposit was in a Ally Bank subsidiary LLC account.

Ally has no LLC subsidiary account active in the state of Hawaii. Not likely to be able to sue a businiess organization that does not exist. Ally bank in the past has paid out XXXX XXXX dollars for fraudulent representations. The bank is nothing but thieves and not very clever ones.

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 2023-02-21
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I would like to dispute the following accounts : 1. XXXX XXXX Bankruptcy XXXX 2. XXXX XXXX Bankruptcy XXXX XXXX. Bankruptcy XXXX XXXX XXXX XXXX. Bankruptcy XXXX XXXX XXXX XXXX. Bankruptcy : Dismissed XXXX XXXX XXXX. Bankruptcy : Dismissed XXXX XXXX XXXX. XXXXXXXX XXXX XXXX late payment account XXXX. XXXXXXXX XXXX XXXXXXXX charge off account XXXX XXXXXXXX XXXX charge off account XXXX. XXXX XXXX XXXX XXXX XXXX charge off account XXXX. XXXX XXXX XXXX XXXX charge off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been incorrectly reported as XXXX XXXX instead of XXXX XXXX, which is a violation of the FCRA. 
The bankruptcy accounts have also been reported as dismissed, which is inaccurate as they were successfully discharged. This is a violation of the FCRA.

The late payment account for XXXXXXXX XXXX XXXX is inaccurate and should be removed from my credit report. 
The charge-off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX contain errors and should be investigated for inaccuracies. These items may be a violation of the FCRA, FDCPA, TILA, and/or RESPA.

I am requesting that these items be removed from my credit report or corrected to reflect the accurate information. Please provide me with written documentation of your investigation and any actions taken to resolve these disputes.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
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 a twin sister who's name is XXXX XXXX XXXX. Our birth dates are the same and social security numbers are 2 digits different. Her negative items reflect on my credit along with her accounts simply because our information is similar. 

When her credit is ran it pulls mine also. Same as when mine is ran it pulls hers. Our credits are linked some how because of the credit bureaus

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 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After repeatedly complaining about the theft of my accounts, Capital One sent me a letter, stating that they don't find any account in my name. 

In the subject line, they mention the account number ( endings ) XXXX and XXXX. You can see that for yourself in this publicly shared letter : XXXX XXXX XXXX In addition to the over XXXX XXXX USD ( the largest part from an inheritance from the XXXX family , that's the maiden name of my mother, and one of my security questions on file ), two payments have been sent and received by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  USD on XX/XX/XXXX and XXXX XXXX  USD on XX/XX/XXXX. Today. 

Furthermore, the " bank '' has lost their banking license several months ago, and they operate illegally. They've been cut off banking interfaces and lost their ability to perform manual transactions. After their website has been taken down, they put up a spoofed website. A simple traceroute shows you that. 

Also, I have recorded several Capital One XXXX calls. One " banker '' or CS states on the record that they see my " profile '', and, therefore, account ( s ). The second XXXX  call is as obvious as it can get. A person who doesn't have the faintest idea about banking claims to work directly for the Capital One boss, but refused to provide his legal name. The call features a female voice changer. One of the calls is here : XXXX XXXX XXXXXXXX You can listen to the second ( also to XXXX XXXX  , and maybe even the FDIC or CFPB ) here : XXXX XXXX XXXX XXXX XXXXXXXX? XXXX - or on any popular podcast platform, on XXXX, and XXXX. Should the voice changer changed voice of the male playing " XXXX '' be cut out again, I'll gladly upload it again. 

Also, for your information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are several inaccuracies being reported on this account throughout all the credit bureaus. 

I have attached my most recent credit report for your reference. 

Please correct this and remove from my credit file. 

Account status Date opened High Credit Date last reported Date last active XXXX is still showing payment history past date of last active, how?

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
IN Accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account 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 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates th e report by more than seven year. 15 U.S.C. 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-12-13
Company: Early Warning Services, LLC
State: UT
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:
XXXX XXXX sent some updated letters after resolving fraudulent balances in my name. I am needing a updated copy of my EWS consumer report mailed to me to see if my report has been properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: MI
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report that is preventing me from getting a house. As of this day that I am filing this complaint, over 45 days later, I have yet to receive a response. While I understand with the current state of things that the bureaus may be understaffed and overburdened with request. However I do not feel like that is the case here, I feel like I am being taken advantage of and being ignored of my disputes.

These inaccurate and unknown things on my credit report are preventing me from providing decent living conditions for my family as Im trying to buy a home. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be looking to file for litigation due to the stress you have caused me and my family. Furthermore, my information was also impacted by the Equifax data breach and may have gotten into the hands of someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fair Collection Outsourcing has committed multiple violations and mistakes in my credit reports. This company has damaged my financial life. They have been NEGLIGENT AND UNFAIR. 

Fair Collection Outsourcing has committed the following violations : The account had unsubstantiated charges, I was never billed an itemization by original creditor and not even notified about existence of debt. The account has been re-aged and creditor harassed me to collect payment. 

This company has also caused the following damages : {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX hardship and XXXX XXXXhrough XXXX XXXX XXXX  and XXXX. 

Account information below : Account number : XXXX, date XXXX : XX/XX/2018, original balance : {$630.00}. 

THIS ACCOUNT MUST BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES IN THE NEXT 30 DAYS. THIS IS MY DEMAND TO GET THIS CASE RESOLVED AS SOON AS POSSIBLE. 

See attachements. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: TN
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 submitted a letter on XX/XX/2021 regarding unknown and inaccurate information on my credit report. As of this date, XX/XX/2021 which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: AES/PHEAA
State: GA
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with non-monetary relief