BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
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 Friday, XXXX XXXX, Customer A awoke to XXXX having been drained from his bank account. He reported it to the bank and discovered it had gone into his long inactive Paypal account. Somebody had added a fake name, fake phone numbers, and an address of an empty lot in XXXX to his account ( paypal has refused to address this or take calls to resolve ). He was able to make a payment to the paypal account of Customer A 's wife before whoever was behind the fraud could access the funds from paypal and did this because he was unable to get ahold of paypal as they no longer operate telephone services and do not respond to time sensitive messages. Customer A 's wife ( complaintant ) received the money and transferred back to her bank account, but paypal caught up the next day and is placed a debt on her account, wanting to send the money back to Customer A 's compromised account. The family continues to fight paypal over this issue and paypal refuses to call and resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On or about XX/XX/XXXX, I became aware of an increase to my monthly billed amount due from MOHELA from approx $ XXXXmo to approx $ XXXXmo. I called and spoke w/ a representative to inquire as to 1 ) Why my payment increased and 2 ) if I was no longer allowed the deferment I initiated in XXXX under the CARES act. The representative said that payment was due, though I could apply for further deferment with interest to be capitalized. I informed the rep that when I initiated deferment in XXXX, I did so under the verbal instruction from a MOHELA representative that interest would not capitalize, but the loan would be extended an equal number of months as were deferred. The rep said that she could not account for a monthly payment increase of over {$100.00}, but would investigate & get back to me. 
Having not had a response, I called again on or about XXXX and asked to speak w/ a supervisor. I spoke w/ XXXX , who informed me that as this is an interest variable loan, it had recently recalculated for the first time since XXXX, and that interest going back to that year had been added on. She went on to say that this recalculation is automated and should be done annually, and for reasons unknown to her this had not been done in 13 years. I asked XXXX if federal lending guidelines allow a lender to back date interest calculations more than a decade and add them to the current balance causing a significant payment increase, she said that she did not know, but would consult her legal team and would do what she could to correct any errant increase to my balance. She further informed that she would email her contact info to me. No email was received by me from XXXX. 
On XX/XX/XXXX, I emailed MOHELA asking for the name and contact info for the supervisor Id spoken with, as she had not contacted me. I was given her first name & extension XXXX at XXXX XXXX XXXX. 
Shortly thereafter I contacted XXXX, who informed me that she could do nothing about my sudden balance increase of approx 30 % (? I have not seen the actual figures across my MOHELA loans, only the monthly increase ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: GREAT WESTERN BANCORP, INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
1. The XXXX XXXX XXXX closed my account without notifying me the decision. And they did this exactly on the day after I emailed them checking about my account opening bonus status.

2. I have completed both requirements for getting the bonus but they simply avoided it by closing my account.

3. They won't reopen my account via phone and didn't give any explanation for why the bonus was forfeited.

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 2020-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The company 's response to my previous complaint merely restates their position and makes / takes no steps to seek to solve the issue. Purely as such it is a bad faith response which leaves no way to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Please see complaint # CFPB Case XXXX and the XXXX 's response. They admit that the messed up but will not fix it correctly as it should be. 

I authorized 1 hard credit inquiry to obtain a credit card with XXXX. They pulled XXXX hard inquiries. I have been trying to work with them to get the additiional 2 that they admit were made in error off of my credit report but they just want to change them to soft inquiries. I did not authorize the additional 2 inquiries hard or soft and they admit that these were done in error so they should be removed completely from my credit report. 

I did not authorize 2 additional hard or soft inquiries from XXXX on XX/XX/XXXX, the document attached shows that this is an error but they refuse to remove these completely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
{$12000.00} from my XXXX XXXX bank of America had been fraudulently stolen via bank transfers. There were 3 transactions dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the amount of {$5000.00}, {$5000.00} and {$2900.00} were transferred out. I filed complaint on XX/XX/XXXX to Bank of America, the prepaid card holder. Instead of investigating they replied that the case is closed and they did not find out anything wrong. They even revealed that my email address and other information has been changed. The said amount of was transferred to another bank. I have been calling them every day and surprisingly every time they have to reopen the case. I have provided them police report number, my id and my statement. It has been over a month and they have not even began investigating. 
I support family of 5 including 3 school going children. I have difficult time meeting end meets. I request you to please help me to expedite the case so I can meet my day to day need.

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 2022-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB + Equifax + XXXX XXXX, On my XX/XX/XXXX Equifax credit report it says I have a 90 day late pay on XX/XX/XXXX as well as a 60 day on XX/XX/XXXX from this account below : - XXXX XXXX XXXX  xxxxxxxxxxxx XXXX Attached to this complaint I have a letter from XXXX XXXX dated XX/XX/XXXX that clearly says they have requested the removal of delinquencies previously reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The XX/XX/XXXX and XX/XX/XXXX as of XX/XX/XXXX has yet to be removed. 

Attached to this complaint are : - my drivers license - my address - my W2 to show social security number - my complaint letter - letter from XXXX  XXXX - screen shot where it shows on my Equifax credit report Please have this handled, as the letter from XXXX XXXX says, immediately as this false information is damaging my credit and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, 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 have called each bureau about fraudulent inquiries on my report XXXX removed some Equifax said they would be removed after 24hrs but they still remain on my report. XXXX was not helpful or cooperative with me about removing the fraudulent inquiries. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I never had a contract with XXXX XXXX XXXX and I do not owe Walmart 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX Self financial was reported on my credit profile this was fraud and I ask that it be deleted, on XXXX XXXX XXXX  XXXX was fraudulently reported to my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted immediately, on XXXX XXXX XXXX XXXX bank reported a loan on my credit report this was ident theft I ask that it be deleted immediately, XXXX XXXX XXXX fraudulently reported a secured loan I asked that it be deleted immediately, On XXXX XXXX self fraudulently reported another loan I asked that theirs be deleted immediately, on XXXX XXXX upstart reported a unsecured line of credit this is fraudulent I asked that all these items be deleted from, y credit profile I am not able to get funding and its a defamation of character and I well take legal action .15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a concimelam demanding the deletion of the Accounts

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 and 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 2022-04-04
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My wife and I have been unable to get an annual credit report from Equifax for almost two years. We have both established " myEquifax '' accounts with user names and passwords. Our requests at XXXX are refused. When we attempt to log in to our " myEquifax '' accounts we get statements and error has occurred. A toll free number is given : ( XXXX ) XXXX. This number leads to a series of questions before routing to an agent. Most of the questions get cut off before completion. Most responses are interrupted with a verbal statement " I didn't understand that. '' If one persists and gets past voice mail XXXX, you are informed " ... all agents are currently assisting other customers. Please continue to hold. '' Eventually the call drops. 

Does Equifax intend to comply with federal law regarding annual free credit reports or not? Will the government enforce the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: AES/PHEAA
State: MD
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:
I have been a federal employee of the Internal Revenue Service from XX/XX/XXXX to the present ( 21 years ). I signed up for the public service loan forgiveness program in XXXX, filed my employee certifications annually, made 120 payments, submitted the PSLF loan forgiveness form in XXXX, and was denied PSLF. Subsequently, the servicer incorrectly required me to consolidate my loans in XXXX and failed to inform me that all of my PSLF pre-consolidation payments would be eliminated. The 120-payment count was restarted to XXXX, requiring me to pay another 120 payments. 

I applied for the PSLF Limited Waiver ( XXXX ) in XX/XX/XXXX and was told it would take months to review my account to get the XXXX. Seven months later, Fed loan finally reviewed my account and sent me PSLF qualifying updates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all without updating my pre-consolidation payments before XXXX. I submitted another PSLF form in XX/XX/XXXX requesting my account to be reviewed for the XXXX giving credit for my pre-consolidation payments, and requesting a refund. In XX/XX/XXXX, I received another PSLF qualifying update, and once again, Fedloan failed to review and credit my account back to XXXX. 

I was not given credit back to XXXX, which is what should happen under the PSLF limited waiver. My loans are consolidated as required by the XXXX. All of my employee certifications from the IRS show my hire date as XX/XX/XXXX and show that I have been a continuous federal employee. My account should be the easiest type of account to review and have the proper credit issued back to XXXX. I am filing a complaint because my PSLF count is wrong. I should be given credit back to XXXX and a refund issued for overpayments with interest. 

I have contacted Fedloan servicing and filed a complaint with the DOE ombudsman but have received no response. The White House is forgiving all of these student loans but not living up to the promise of the limited waiver for people who have been lifetime federal employees. I have had 1 public service job for 21 years. Fed loan has reviewed my account not once but several times and still has not correctly counted my payments back to XXXX and issued me a refund for the overpayment with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged {$350.00} in overdrafts over the course of three days. 
I checked my account and realized I had pending charges that would put me negative if I did n't bring the account current. It was about {$5.00} in tota, l I would be negative. So a deposit was made and cleared by morning and my account was positive. But then the bank charged me for XXXX overdrafts from the day before. I could only see XXXX charges but they said that the XXXX XXXX is invisible and I do n't see it. ( Wait..What did she just say, I cant see it ) Its pending, I think is what she said. So I 'm like Ok. So when that pending transaction clears and posts, and I am able to see it, am I charged another overdraft fee for the same thing. Because that is what it seems like. 
Anyways I did not know my account was negative so it all went down hill from there. When I realized it XXXX days had passed. I went to pay for my husband and son 's birthday dinner only to find I was overdrawn over {$200.00}. And when woke up to call another {$70.00} was charged. So they did refund {$70.00} back but I still dont understand what went wrong. I dont know if they are reordering the transactions or what, but I did ask them to take me out of whatever program I was in that that consents to them paying a charge for {$.00} and then charging {$35.00} for it. I would rather the {$.00} be declined. I am XXXX in a state that is very seasonal. I need all the money I have to survive and dont appreciate being charged a ridiculous amount of overdrafts when I have several accounts. I am seriously considering taking my business elsewhere, XXXX consumers deserve more respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-09-29
Company: Experian Information Solutions Inc.
State: TN
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 is the ten time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify.Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law.I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law

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 2021-05-16
Company: Netspend Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My XXXX year old daughter received a NetSpend prepaid MasterCard in the mail, to our address, with her name on it. I, her mother, never authorized this account or requested it. It came in the mail on XX/XX/21. I want to report this company.

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