BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The Venmo user interface places the " pay '' and " pay recipient '' from the selected account in the exact same touchscreen position, creating opportunities for errors and unauthorized transactions. In my case, the touch interface registered " pay '' and " pay recipient '' from a single touch before I could select which account to use. 

As a result, Venmo withdrew money from my bank account ( without true authorization ) rather than using a preferred credit card. I immediately tried the cancel button, *which did not work*. 

The recipient sent the money back to me in Venmo within minutes, and I initiated a regular bank transfer request to refund the money back into my account on XX/XX/XXXX. I received a message that the transfer would complete on XX/XX/XXXX. 

As of XX/XX/XXXX the transfer has not appeared, so I reached out to Venmo who informed me that the transfer was supposedly initiated on XX/XX/XXXX and that it could take another 5 days from this date for the money to appear. And if the money has not appeared to reach back out in three days. 

At this point, I will have been out {$750.00} for at least one week -- up to possibly two weeks for a single 30-second transaction error brought on by the product 's design / interface. 

I am concerned that the product design of Venmo is specifically intended to facilitate these errors and unauthorized transactions ( especially noting that their cancel button does not respond ) and to drive revenue via their " instant transfer '' feature, which requires a fee. 

The incentives are misaligned to assure a good experience to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Caliber Home Loans, Inc.
State: MI
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:
XXXX, XXXX and Complaint against Caliber Home Loan , Inc On XX/XX/XXXX Caliber Home Loans TEAM responded to my complaint and said that Servicing of my loan was transferred from XXXX XXXX effective XX/XX/XXXX ; and the servicing from Caliber was transferred to XXXX loan Servicing effective XX/XX/XXXX. 
Please provide me the name and direct contact information for an individual employee who prepared and filed with CFPB this respond on XX/XX/XXXX on behalf of Caliber.

Please provide me the name of the Company who transferred servicing of my loan from XXXXXXXX to Caliber on XX/XX/XXXX and its mailing address ; and the name and direct contact information of this Companys responsible employee who authorized this transfer, Please provide me the name of the Company who transferred servicing of my loan from Caliber to XXXX on XX/XX/XXXX and its mailing address ; and the name and the name and direct contact information of this Companys responsible employee who authorized this transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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:
Ive mailed off a certified dispute letter AND THE CREDIT REPORTING AGENCIES HAVE YET TO CORRESPOND WITH ME, IN ADDITION THEY FAILED TO NOTIFY ME WITHIN 14 DAYS THAT THEY RECIEVED MY DISPUTE.THIS IS A VIOLATION OF THE FCRA AND NEEDS TO BE CORRECTED AND THE CONSUMER LAWS UPHELD

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 2023-11-20
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has deliberately avoided my debt validation letter for the debt accounts with their company. I have no way of knowing what and who this debt belongs to. Under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect the privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I understand that the HIPPA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide the original creditor name, address, and phone number -Please include a breakdown of fees including any, and all collection costs and medical charges. 
-Please provide a copy of my signature with the provider of service to release my medical information to you. 
-Immediately cease any credit bureau reporting until debt has been validated by me.

-Please provide proof of ownership to collect the alleged debt Furthermore, any reporting of the debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

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 2023-03-21
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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instruction which I never did for any of these 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 2019-11-09
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2019 XXXX XXXX XXXX  i attempted to call sears home improvement services 10 times in regards to my account due balance rising from XXXX to 7,000 something dollars within a one month span. 

Sears home improvement services contined to hang up on me after retrieving all of my personal information. 

Our contract was for my windows to be replaced at the cost of XXXX. I was untable to make contact with any sears employee willing to help me find out why the amount was so high. 

XX/XX/2019 i was charged a fraudelent amount of XXXX in Which was never agreed upon.

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 2019-09-11
Company: EQUIFAX, INC.
State: KY
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:
Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. 

I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: AMERISAVE MORTGAGE CORPORATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmeriSave Mortgage refuses to process my payment and state they did not receive. They sold my load in XXXX and sent me a statement for XXXX payment I mailed ion XXXX and they stated that they had not received it. I tried to make a payment by phone and online but they closed the account out and can not access it. XXXX bank which I made a complaint to CFPB also in the beginning of the month refused to provide me an accurate statement to make a payment as the totals and balances were incorrect and they have not received the payment from XXXX either as the $ are still in my Acct. I need to have this payment processed via Americasav so XXXX can receive and then process via their system and provide me with an accurate statement prior to making any payments to XXXX. I do not wish to pay XXXX XXXX payment at this point being the totals dont match and I only received a statement from America Save for my XXXX. Payment. I want Amersav to contact me so I can provide them with the check information and my checking account to process my XXXX payment. Customer service can not access the account and are refusing to process.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: JPMORGAN CHASE & CO.
State: MD
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:
I received a letter today, XX/XX/2020, dated XX/XX/2020, from JPMorgan Chase Bank @ XXXX XXXX XXXX, XXXX XXXX, TX, XXXX stating the following : " Thank you for your interest in opening an account with us. Unfortunately, we've decided not to open an account for you. '' The letter from Chase goes on to say that the denial was based on my credit rating from XXXX dated XX/XX/2020. This hard pull on my credit report was not the result of the initiation of a credit application on my part. I did not initiate a credit application with Chase Bank and I did not ask to do business with Chase Bank recently. Therefore, Chase fradulently ran a hard credit pull on my credit report/rating without my consent. The letter includes my credit score, so this was a hard pull. Please ask Chase to provide proof that I initaited a credit application with them to justify this hard pull on my credit. 

I ask for the assistance of the Consumer Financial Protection Bureau in holding Chase fully accountable for this violation of my rights as a consumer. It is my understanding of the law that companies can not make hard inquiries on a consumer 's report without his or her permission and without the consumer 's intent to do business with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: ORG GC GP Buyer, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
City of XXXX has written tax return information in XXXX about tax form in XXXX that I owed money to them, I notified them that this was false in XXXX, and in fact they owed me {$30.00} instead. They asked for required information such as tax forms which I faxed. I completed the tax forms in XXXX and sent these back. In XXXX my tax filing to XXXX stated that again the city owed me {$18.00}, however I was contacted again that I owed them money. 

We have now received a latter from GC services limited Partnership in XX/XX/XXXX that we owe the city of XXXX {$250.00}. We called to dispute the charge and say that this information was inaccurate, however they are not able to provide any data or information in regards to former tax information. They recommended that we refile XXXX tax forms which is very difficult to do. 

At that point we asked them to provide information to us about the tax forms. We were notified that they have no additional way to get previous tax information, and that city of XXXX likely does not have the original tax forms on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: LOAN SIMPLE INC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
There are two separate concerns with the sale of our home. 1 ) It was never disclosed that the real estate agent and the lender for the buyers, where related at the time of signing of our real estate contract back on XX/XX/2019. 2. ) We than received notice from our realtor XXXX XXXX with XXXX XXXX-XXXX XXXX XXXX that the appraisal came in at {$440000.00}. I requested to see a copy of the appraisal and was told they would email it to us after we signed the agreement to amend/extend contract as we were under duress to get the contract sign as we were closing on Tuesday ( 9/3 ) and this was a Thursday night with 15 minutes to spare and it being a holiday weekend. ( Monday was XXXX XXXX ). The counter offer of the property was never sent to the appraiser, so the appraiser based his findings off the original offer which was {$20000.00} less than the contract price. So the appraisal of the property came in at {$440000.00}. The amendment to contract for a sell price based off the appraisal was sent to us Thu, XX/XX/2019 XXXX XXXX  and the appraisal was sent to us at Thu, XX/XX/2019 XXXX XXXX, which is when I saw the contract to sell price was wrong. It was showing a sell price of {$430000.00} not {$450000.00}. I then said we wanted to cancel our amend/extend contract and wanted a reconsideration of value done of the appraisal. The appraiser said he never received the counter offer and that he would email the lender ( Loan Simple ) XXXX XXXX XXXX NMLS:XXXX  to get the correct contract and send them a reconsider form to his appraisal since he didn't have a signed contract. They refused and said that we had already signed the amendment/extend form and would sue us for specific performance if we didn't close. I feel that we were fraudulently mistreated by the Buyers broker and lender. I believe the lender and him acted together. We ended up losing {$10000.00} after all is said and done. We contacted an attorney and he said we had a good case but would spend {$5000.00} chasing {$10000.00} which we are unable to spend at this time since we are in the process of building our future home. Please investigate this matter in fear of this happening to future clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: MO
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:
Hey, I'm XXXX XXXX and I'm here to follow up on a complaint I made earlier. I need you to investigate and fix some stuff on my credit file as per the Fair Credit Reporting Act. Firstly, there's an account called XXXX  XXXX that's showing a past due balance even though it's closed with a XXXX balance. That's just bad record-keeping, so please fix that ASAP. Secondly, another account called XXXX XXXX is also showing a past due balance even though it's closed with XXXX balance, which could mess up my credit. So please fix that too. And lastly, there's an account called XXXX XXXX that has the wrong payment status and history. It's showing a balance even though it's supposed to be a charge-off with a XXXX balance. So please provide proof of the last payment made or just remove it from my credit file altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This issue has persisted for multiple years despite several attempts on my part to get Ally Auto to fix the problem. 

Ally Auto XXXX Ally Bank sends out emails every month who's subject ( and body ) claim : " Weve received your vehicle payment. '' and " Your vehicle payment was successful. '' However, the emails do NOT indicate that the payment was in fact received and successful. Instead they indicate that their internal systems have initiated the automated payment ACH process.

As a consumer, I receive that email and think " great! everything is ok. '' However, if the ACH payment fails for some reason ( e.g., timing of your deposits to your account vs their withdrawal ), you don't get notification of that until 9+ days later, at which time they then charge you with a late payment fee. 

That late payment fee would have been avoided if they did not originally claim that the payment was successful, causing you to take your eye off the account thinking everything is ok. 

I have repeatedly told their customer service people that they need to change the wording of those emails to read " We have initiated the payment process '' or, that they wait until the payment has IN FACT been received by them before they tell you the payment is " successful. '' I have been charged several late payment fees due to this, and I suspect they don't want to fix it because it's a net benefit to them not to do so.

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 2022-10-28
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I vrecently checked my credit report and discovered that there was an address ( XXXX XXXX XXXX, XXXX, Michigan XXXX ) and, theres several cellphones in my name associated with that address. I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( no ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt nor any such debt in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I received a payment from a friend and Venmo froze my account right away. They claim to have emailed me a form to upload my id but the email they speak of goes to a page that can not be found. Ive emailed countless times and I just want to transfer my funds and be done with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
THE BUREAUS , INC . 
After having asked for verification of the debt, that was never provided the third party debt collector changed the comment to say that it has been assigned to an attorney. This is a threat of legal action that they can not take or intend to take. This is a clear violation of the fair debt collection practices act, and they must be blocked from further credit reporting immediately and indefinitely. Cease all collection attempts including but not limited to credit reporting. Have a nice day.

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 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Contacted the bureaus several time about inaccurate information reporting on my consumer report. yet ive never received any response nor up date

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 2023-03-02
Company: Experian Information Solutions Inc.
State: IN
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:
The following should be removed from my credit report due to the lack of compliance with the method of verification rule. The credit reporting bureau is Experian. 

Account name XXXX XXXX  Account number XXXX .... 
Recent balance {$4700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX The following information needs to be confirmed/submitted to me, otherwise it needs to be removed from my credit report : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this allege account. 
A copy of any documents provided bearing my signature showing that I have a legal binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable.

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