BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am experiencing continuing service problems with PayPal. 
Problem # 1 - adding a bank account. The attempt produced a repeatedly consistent error message and I was asked to " contact Customer Service ''. " Customer Service '' is an offshore operation comprising of automated " Virtual Agents '' offering no help except quotes from the online FAQ, and after several messages from these " Virtual Agents '' you eventually get an actual person who usually communicates in broken English and is not much better. Summarizing from the chat logs, I asked the Agent why can't I add a bank account to my PayPal account, and get a " try again later '' message. Agent replied " I see this action is being stopped by our internal security system '' and offered to " run verification '' by " texting my main mobile number on file ''. I DO NOT have a " main mobile number on file ''. Agent argued that I did - after I specifically REMOVED all mobile numbers from my account. After continuing useless conversation and several attempts to explain that my number is a landline, Agent asked if he can " text '' the landline. After I got upset at this complete and utter incompetence and told the Agent to go XXXX himself, he complained about " profanity ''. I don't want to hear complaints from sensitive " Agents '' about profanity, do your XXXX job and there will be none! It took three days to add the bank account. Problem # 2 - adding money from the already confirmed bank account. Again, an error. " There is a problem adding money from your bank account, please contact us ''. Again, the " Agent ''. Agent sent me a broken link, advised me to " try different browser '' and " wait 24 hours '', among other useless informaton. After this - same error. Then, again, the sensitive XXXX complained about profanity and finally said " our system has determined that something about this specific transaction is a potential risk and we are not going to allow it to go through ''. All this about a simple transfer of less than a hundred dollars from a confirmed bank account to a working PayPal account I have had for 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: In progress
Consumer complaint received 2022-11-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Today XX/XX/2022, I called CFPB at ( XXXX ) XXXX because I was informed by a male CFPB agent to check back in 7 to 10 days to see if Wells Fargo responded to my mailing complaint dated XX/XX/2022 by certified mail # XXXX that being confirmed by 2 different CFPB on my 2 phone calls before in XXXX and XXXX. They adised me to call back if I don't hear any solution from either Wells Fargo or CFPB. 
At XXXX, XXXX was unhelpful and unable to answer my question, then her supervisor, XXXX XXXX refused to state her last name or the state location where her call center at. She also pointed finger at whom ever gave me instruction not to file a new complaint while my case was closed but mailing to written complaint and proofs of disagreement. That what I mailed on XX/XX/2022. XXXX XXXX refused to transfer my call to another supervisor and ended my call. 
At XXXX, XXXX XXXX received my call, but he was unable to answer on what happen to my mailing escalated complaint against Wells Fargo agents and WF Banking XXXX His supervisor, XXXX XXXX confirmed there were no upload from CFPB in Washington DC and she emailed me the all complaints from XX/XX/2022 to XX/XX/2022 against Wells Fargo before WF gave me an meaningless solution on XX/XX/2022 through CFPB but mailing a delayed solution on XX/XX/2022. 
Therefore, I have to electronically filed my new complaint against Wells Fargo agents and Banker

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 2023-01-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/2022 I signed up with BMO as a result of a direct deposit promotion. If I deposited {$7500.00} over a 3 month period I would be eligible for a {$350.00} bonus. I signed up on BMO 's online promotion page, where I was offered two options : a regular checking account or a money market checking account. There was no disclosure that the MMA did not qualify for the bonus so I signed up for that option. I later contacted the bank and their agent verified that I was eligible for the bonus. However, after depositing more that the {$7500.00} minimum within a 3 month period, I contacted BMO and they told me I would not be getting the bonus. Further, they charged me {$10.00} per month in fees while the account was open -- which as not disclosed to me at account opening. Infuriated, I tried to close my account online but BMO would not let me. I called customer service to assist with the closing and BMO tried to charge additional fees for closing the account. Unwilling to lose any more money to this criminal enterprise masquerading as a bank, I was not able to close the account. I file this complaint to : ( 1 ) close this account and get my money from BMO without any additional fees ; ( 2 ) have all fees charged returned to me ; ( 3 ) have BMO pay me the {$350.00} bonus promised ; ( 4 ) compensate me for time lost from work pursuing this action ; and ( 5 ) any punitive fees to which I am entitled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-01-21
Company: EQUIFAX, INC.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello CFPB, I am checking my credit today because I looking into buying a home someday and came to see all these fraudulent activities on my reports. I am very upset because these fraudulent accounts open in my name without my authorization or knowledge. This has caused tremendous damage to my credit rating. 
These are the fraudulent credit card accounts and the fraudulent inquiries BELOW. 

fraudulent inquiries : 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 2023-02-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/23, a deposit of {$170.00} for medication was transferred out of the account without my permission. A rep advised I would receive an ATM card to withdraw funds as my option for retrieval, card was received however the deposit was taken without my authorization. 

I called several times before I was advised the funds were taken to pay on a charged off checking account. I recently spoke to a rep about prior to opening my current savings to apply phone authorized payments. No policy was ever disclosed that any funds in my savings # XXXX would be applied to the charged-off account. If this was deemed as true, there is {$0.00} in the account currently that has not been touched. 

I have been waiting almost 30 days for a supervisor to return my call to reverse the funds as I had a prior payment agreement to pay when I can due to layoff because of XXXX XXXX issues. One supervisor named XXXX I believed lied to say she called and left a voicemail. However I answered that called but she say hello in return, dead air was it. There was never any voicemails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted Transunion, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX about fraudulent accounts that does not belong to me, multiple times. And they have yet to remove these fraudulent items from my credit report. I have filed a report with the police agency and FTC. All the accounts that needs to removed are as follows XXXX  XXXX XXXX XX/XX/XXXX {$720.00}, XXXX  XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX {$350.00}.

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 2021-10-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax has my current address listed as a previous address, while a former address from 6 years ago is listed as my current. Equifax is the only company with this issue. They have 2 reports listed and neither one of them have the address they have listed as my current. I have tried more than 10 times to dispute online. However, it always fails. I have attempted calling and I am told I need to mail them a copy of my drivers license and social security card. It is 2021 and a company that profits off of my personal information is not capable of updating my address without exposing me to potential identity theft? This has led me to being denied credit. I have also provided multiple responses identifying who I am over the phone including SSN, birthday, current ( real ) address, which again is reported by the other 2 credit reporting agencies. They can update everything except my address. This has become ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: ALLY FINANCIAL INC.
State: LA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hi Im reaching regarding to my saving XXXX account at the moment that was a saving account. I was being charged for overlimit fee {$60.00} a month for 3 months in XXXX XXXX XXXX and XXXX. I had asked you before about the reimbursement but got denied by customer service every time. The reason I had to do transactions on saving instead of another checking account which lead to this overlimit fee are 1 ) my XXXX checking account was negative due to excessive overdraft and nsf fees that Bank of America charged me on the same transactions while the balance was already negative. 2 ) I needed to pay interest of Bank of America credit card to avoid the late fee and interest that could be combined and included in the original amount I owed. At the moment, my checking account was negative if I deposited to that account, I would not be able to pay the minimum payment of credit cards. Therefore, my only option was to deposit to saving instead of checking to avoid the late fee and also in order to transfer a part of it to my landlord for my monthly rent. 3 ) I understood that I should not do services with the bank tellers. But since you limited hours during the COVID, and customers did not want to be in closed space so majority of the customers used the atm outside. The line was long since the atm was not sufficient to all customers. Especially in XXXX XXXX, the branch was closed very often and only 2 atm outside and 2 in drive thru. Outside atm machines were 1 working but out of money and 1 not functioning. On the drive thru, they are working but out of money. Therefore before bank even open, it was common to see customers waiting in line outside to see bank tellers because of atm machines were not operating. I dont think charging me {$60.00} a month for overlimit fees was fair since bank inappropriately added nsf fees or overdraft fees to my account in XXXX that around {$1000.00} was charged on XXXX for nsf fees. Therefore, I left no choice to use my saving Account to pay bills which eventually caused me {$60.00} overlimit fee for 3 months. Also, atm outside were never property maintained and left customers to see tellers inside the bank only. 

Also I am not sure what is the different between nsf fee and overdraft fee. Since Bank of America uses them interchangeably. For the same merchant that charged on my account while it was already negative. they appeared as overdraft or nsf fees interchangeably attached pictures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: MOHELA
State: NY
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 student loan servicer, XXXX XXXX transferred my consolidated loans to Mohela when they became the new servicer. Since then, the reporting to the credit bureaus show me owing 2x the amount I did with XXXX XXXX negatively impacting my credit score and they have failed to apply loans payment credits towards my PSLF. Additionally, they are reporting that I do not have workplace approvals that I submitted last year and had confirmations by XXXX XXXX of my qualifying employers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
ERC ( Original Creditor : XXXX XXXX  ) XXXX {$360.00} ERC ( Original Creditor : XXXX XXXX ) XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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 submitted a complaint through CFPB for identity theft on XX/XX/2023 to TransUnion. The complaint included my I.D., FTC identity theft report, and a written statement stating that the information is not information relating to any transaction by me as well as the accounts that were affected.

According to 15 U.S. Code 1681c2 when identity theft has occurred and the above requirements are met, the credit agency has 4 business days after the date of receipt to block the reporting of said information in the file. 

TransUnion received all required information and I contacted them on XX/XX/2023 to get updates on the dispute. The representative that I spoke with told me that all information has been received, and if after 4 business days the creditor ( s ) have not responded, then by law they would block or delete the information. He proceeded to tell me to call back in a few days to check again or wait 30 days for a response by email or mail. I told the representative that by law I will not wait 30 days but instead call back after the 4 business days have passed. 

I called TransUnion again on XX/XX/2023 to follow up because 4 business days have passed and the accounts are still reporting. The representative told me that the " dispute '' is still in progress which is a direct violation of the FCRA which clearly states to block information resulting from identity theft within 4 business days. 

This is a direct violation of my rights, not only have they violated MY rights, but they have violated the FCRA by not complying and failing to do what's fair and equitable to me as a consumer. I demand at the least deletion of all mentioned disputed accounts. 

CFPB Complaint Number : XXXX FTC Report Number : XXXX Disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: Netspend Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
i keep getting netspend acct cards sent to me i call and they say i have multiple accts not to worry if i never opened or used them thats bull this is apersonalized card with my nmae on it this one i recieved yesterday i get all my mail sent to genaral delivery at edgewater post office because i have serious concerns my ex boyfriend and his girlfriend other prison gang memebers stalking me commiting mail fraud bankj fraud medicaid fraud ebt fraud this piece of mail has been fowarded to general delivery from an old address as in several addresses ago XXXX XXXX XXXX XXXX XXXX port orange fl XXXX i do believe this address is whgeer a lot of them live they have a lot of mail boxes outside and the XXXX XXXX i s a house i think house next door is also using XXXX as address there all scammers over there on thta compound but i have calleed netspend several times i never opened sany accounts with them and i iont care if it says none have been used i didnt open them they shouldnt exists and these people arent having these cards for nothing someday theyll get buste dfor whatever it is they are doing but i want nothiung to do with it

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