BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted PayPal on XX/XX/2019 via secure message on their website and reported a fraudulent attempt by someone who was trying to link their PayPal account to my bank checking account, which is linked to my own PayPal account. The PayPal verification system uses a deposit and then withdrawal of two small amounts into and from the account, when I noticed this activity on my checking account from an unknown PayPal user, I alerted PayPal immediately. The verification transactions were initiated on the same day. 

PayPal did not take this fraud alert seriously. They responded with an automated message containing general information about bank account verification. I responded by telling them to stop with the automatic replies and answer my query. 

On XX/XX/2019, I received a secure message from PayPal associate " XXXX '' in which they stated that the deposits were " most likely just to validate if the bank account is still active ''. This clearly shows that they did not even read my message carefully, because if this was to validate my account, it would have been initiated from my PayPal account, not someone else 's! 

I responded by stating clearly that this was almost certain fraud, I attempted to upload the transaction information to PayPal, however their file upload system was not working. I asked for a fax number to send the time sensitive fraud information. 

TWO DAYS later, on XX/XX/2019, PayPal responded by stating that " a transaction or activity I don't recognize may have been initiated by a family member or part of a pre-approved payment ''. Once again, they did not take it seriously. 

On XX/XX/2019 I received a message from PayPal associate " XXXX '' in broken XXXX stating " Request you to please explain the situation so that we can assist you ''. 

Then I received another message by PayPal associate XXXX asking me to call them via telephone. I do not conduct business via telephone, I have told PayPal this dozens of times, I replied to this effect and then I received another message from " PayPal Customer Support ( no name ) stating " we're required to speak with you by phone to complete this specific request ''. Once again, nothing taken seriously. At this point, I lost my temper and told them to go XXXX themselves. 

They have still not responded to, or addressed what is an unquestionable fraud attempt. I had to have my bank account frozen to prevent unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im receiving phone calls about a debt I do not owe and that has not been validated through writing. Per section 609 of the FCRA I requested written proof of the original debt and have not received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: TCF NATIONAL BANK
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: Their investigation did not fix an error on your report

Complaint:
I had a TCF bank checking account. However, somebody stole my identity and money was taken from my account and made it go negative. I notified TCF and they conducted an investigation. They concluded the investigation and said all I needed to do was sign a notarized affidavit with my signature. Once I did that I heard nothing back. My account was still in overdraft negative $ XXXX. I called back and they said nothing can be done because it was already sent to a collection agency. I told the fraud expert that I completed exactly what the branch manager at my local location needed me to complete and signed the affidavit saying I was a victim of fraud and IDENTITY THEFT! The fraud department said there was nothing they could do because it was already sent to collections. I told them that they are reporting false info to the credit bureau. ( XXXX XXXX XXXX IS THE NAME ) That false information has made it impossible to get a bank account anywhere else. Ive contacted XXXX and they did their own investigation and I told them all the facts as well as let them know I signed a notarized affidavit. However the investigation concluded the info documented on XXXX was correct. I was saddened and it feels I have nowhere to turn. I feel like the bank is making a personal effort to take the negative situation that happened to me and blamed me for it. XXXX does not want to remove the false info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX a letter postmarked XX/XX/XXXX arrived from the mortgage servicer Truist Bank. 

It informed me that Truist was not willing to recalculate my escrow the way their phone rep had said should be done after changing insurance carriers. 

And that I could call if I had questions. 

The letter was written by a XXXX XXXX, and provided a phone number of XXXX XXXX XXXX. 

As I had unresolved questions, as to why the recalculation was being denied to me, if it allows truist some greater profit at my expense? If they are trying to earn interest or lend out funds to their clients based partly on their corporate reserve assets such as funds held in escrow? Why I should need to pay a higher amount to them, than what is actually neccesary for the escrow costs? 
It seems exploitative. I don't wish to be exploited merely because of it being a VA backed home loan. 
But I am told in the letter that it is a Truist policy to treat all veterans this way. 
I do not like the idea that veterans are somehow an easier to exploit class of consumers when it comes to Truist Bank. 

But when I called the number on the letter, and asked about speaking to this XXXX lady about the letter she wrote. 
I was told that it's not allowed to speak to her by phone. That she is just a researcher who does not speak to customers. 

I asked if the phone rep would let me read the letter, and how it says to call with questions, and he instead became irate and turned the phone call into an aggressive shouting match. 
I don't know if maybe it is a letter that just has this XXXX person 's name on it, but is robosigned and thus they are unable to answer questions. 
But I have heard that XXXX XXXX robosigned letters in the past. 

What I do know for certain though is the phone rep at Truist had advised me that Truist would perform a recalculation for my Escrow after the change in insurance carriers was completed. 
And I have been trying for months to ask Truist to follow through on their promise. 
Instead I am getting letters that seem to indicate that because I am a veteran that I instead should be subjected predatory lending practices and asked to pay more than my share into escrow. 
All so that truist can earn a few extra dollars a year in interest.

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 2020-02-21
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: Information belongs to someone else

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION WITHIN MY TRANSUNION REPORT THAT I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY

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 2023-11-21
Company: Cash Link USA, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX. Told the person named XXXX on the phone to stop calling me at work and to call me at my personal number. 
XX/XX/23 - XXXX. He called again after telling him to stop calling me at work. I asked him to stop calling me and he confirmed he would continue to call me. 

Calls from XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: FIRST NATIONAL BANK OF OMAHA
State: AR
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My balance on my XXXXXXXX XXXX XXXX was due XX/XX/XXXX. I had previously made a payment but purchased other items throughout the month. I logged on, on my due date to pay may entire balance, which I did. However, when my new statement came out I was charged around {$55.00} XXXX  for the XXXX balance. My entire statement was for only interest. Every credit card I have talked to since has confirmed that if your balance is paid off on or before the due date you should not have an interest fee. However, I called twice to try to get this resolved. One person told me that's the way credit cards operate, which I have had numerous cards over the past 30 plus years and this is the first card to operate this way. The other time I called I was informed that they charge interest for two consecutive months regardless of the balance. What? I then tried to email three times, the first two no response. The last time, after typing a huge email I was informed there was technical difficulties and my email did not go through.

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 2023-01-23
Company: JPMORGAN CHASE & CO.
State: FL
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 recently opened a new credit card and didn't realize that my limit was low. I called the company to request a higher limit. I did not understand that they were going to do a hard check of my credit and now it is showing as negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a XXXX XXXX device in XX/XX/2019 which required a monthly subscription. In XX/XX/2019 I attempted multiple times to contact the company to cancel the monthly subscription via the customer service number on the web site unsuccessfully. In early XX/XX/2019 I contacted Bank of America the credit card company for assistance in contacting the merchant. BOF A had only the unreachable customer service number that I attempted from the web site. B of A issued me credits for the charges in XXXX and the next few months, and continued to allow the XXXX XXXX to charge my credit card .At one point I was issued a new credit number and the merchant was still able to charge me services that I had been trying for 6 months to cancle. Bof A has refused to the last 2 months of charges.

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 2023-11-21
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have loans through MOHELA. During the month of XXXX, my loans were put on backdated forbearance as a result of government sanctions. This forbearance was placed on XX/XX/, a day after to my initial payment ( XX/XX/XXXX  ) which was twice ( {$900.00} ) what I should pay ( {$430.00} ) on the SAVE plan. There is minimal documentation of how to see this forbearance period and how it impacts my payment. I called today to try and speak to someone about getting refunded for my payment if I was indeed in forbearance. I waited on hold for 45 minutes and when someone answered, the call failed. When I attempted to call back, the wait time was over two hours. I believe that the customer service failed the call to cycle through calls and avoid speaking with me. This type of customer service should not be allowed and actively punished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: WELLS FARGO & COMPANY
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:
Wells Fargo account is on credit the address is in California I am in Pennsylvania. I have never opened or used this account. My social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa 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 2021-08-21
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I answered a call a few months ago from someone claiming to be representing a debt collection agency and they stated I owed over {$3000.00} to XXXX and they were collecting the debt. They asked me how I would pay. I told them I did not owe anything to XXXX and thought they had the wrong number. About a week later I received a letter from a credit collection agency saying I owed {$3300.00} to this collection agency from a XXXX debt. The letter said I had 60 days to dispute the claim or the agency had the right to continue to collect it from me. I sent a letter to them disputing the claim and I never heard back from them. Today I was trying to refinance the our house and the bank said that I have a {$3300.00} collection debt that was on my credit reports. I was shocked ... and upset. I do not owe anything to XXXX and am not in collection with any of my bills. I was never given any evidence of what this debt was and I had disputed the accusation. 

I called XXXX and they confirmed that I do not have any debt according to their records that they had no record that I had ever had a bad debt that went to collection. 

How can a collection agency place negative reports about me to a credit bureau without any proof that I owe a debt? Can they still post negative information and claim that you owe money after you submit a dispute? Can they make up any amount ... ..and just say that you owe it ... ..and if you don't pay they will try to ruin your credit and place false reports to credit agencies? 

What are the requirements for reporting debt on someones record? What proof is required? This seems so crazy. The bank representative helping me with my refinance also indicated that this looks strange and the agency submitting the claim is difficult to find ... after a number clicks/searching I found that it is. 

Cavalry Portfolio Services COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I want this company to retract the report they sent to the creditors. They have no evidence that I owe anything ... as XXXX directly confirmed that I have no debt with them or record of unresolved debt. Now this false claim has impacted my credit score and my ability to do things like refinance my home or take out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I bank with Usaa and they use XXXX for payment transfers. I sent money to XXXX to purchase a rifle I sent through the using send to business. I never received my rifle and Usaa and XXXX refuse to return my money. I have provided Usaa with the receipts and conversation transcripts with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2017. I settled a collection debt with XXXX on behalf of XXXX XXXX for {$1800.00}. First, the collection company informed me doing this will be considered paid in full, and they will contact XXXX to update their system. I contacted XXXX corporate many times but seen nobody knows how to handle this issue, also provide Equifax proof that their reporting is wrong that this account should show no balance and they should stop reporting that I am late every month since I took care this issue in XX/XX/2017. I called XXXX many times to see what was the deal, why was taking so long to update XXXX XXXX systems, their answer at the beginning was We are taking care of that, after We more phone call they did not answer me anymore. Right now Equifax  is saying the verify the account, even I supplied a letter from the collection office, also more back XXXX sold this already paid the debt to another collection office, thank God I keep the record of the payment, that I supplied to that office and they let me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX 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.

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