BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To whom it may concern, On XX/XX/2019 I paid a person an amount of {$250.00} in exchange for a smartphone through an online payment app called XXXX. I found out that this person turned out to be a scammer. Once I found out that this person was a scammer I called my bank right away ( XXXX ) and called XXXX right away to stop the payment to be sent to that person. However, both XXXX and XXXX asked me to do a dispute to the transaction. I first did that with XXXX since the payment was not posted at that time. Then, I did that with XXXX and they said we need 7 to 10 business days in order to complete our investigation. Later, I found out that they made their decision in less than 2 days which did not make complete sense to me and their response was we couldn't find enough evidence, therefore we denied the dispute request. I even asked if I could help with that by sending screenshots that shows both the merchant and I agreed on what goods for what amount and how we paid each other, they said we will get back to you incase we need those information. They sent me an email asking me what kind of merchandise or service I paid for?, What date was the service or merchandise to be received?, Have you received all of or just part of the order? -- And then before I even responded to that email, they sent me an email with their final decision right after the first email in less than 24 hours. I tried calling them again to resolve the issue by asking them if they can have a second review on that case and if they can see the screenshots between me and the supposedly merchant, but they were like this is our final decision. I tried calling my bank and their response was we don't have much to do, your matter is with XXXX and try to resolve with them. I told them this is your fault because I called and filed the dispute before the money gets posted and you did not stop the payment. I'm trapped between both companies and no one is willing to help any further and both are like good luck trying to get the money back. No specialist from XXXX took my case seriously and looked further into this matter and every specialist kept transferring to other people that have no idea about my case. As well, no one from XXXX took my claim seriously and they put the blame on me even though I made sure to call before they process any payments with XXXX. I want to know how could that be fair to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have submitted a complaint in the past about XXXX XXXX XXXX/XXXX XXXX   's business practices and I finally received a credit from XXXX XXXX for Late Payment Fees in XX/XX/2019. AGAIN, XXXX XXXX has been charging me a Late Fee every month since I had a dispute with them. In XXXX I made a {$27.00} payment and was charged a Late Fee of {$27.00}. In XXXX I made a {$52.00} payment and was charged a {$37.00} Late Fee. In XXXX.I made a {$27.00} payment and was charged a {$27.00} Late Fee. My Late Fee should not be more because I sent a larger payment as reflected in my XXXX Statement. XXXX XXXX takes longer than any credit cards I have to process payments. I send 3 payments at the same time at the same mailbox every month. XXXX XXXX is located in the United States and their mail doesn't take any longer to arrive than anyone else 's, although they claim that it does every month. I've asked them for the last two months to change my credit card payment due date and they claim I owe a payment, so they can't do that. Even though the payment is NOT over due. I know that it is required by law to change my payment due date when asked to do so, having informed them I get paid 4 days before the due date. They are just wanting to scam money out of me. XXXX XXXX has caused me Late Payment and Over the Limit Alerts on my credit reports every month, lowering my credit score. I am not going to continually make payments to XXXX XXXX when they take my payment for Late Payment Fees every month, which causes my XXXX XXXX XXXX Balance to get higher each month. I literally make a payment each month, then my XXXX XXXX XXXX balance gets higher, and I receive ZERO for my money! They continually make excuses so they can charge me Late Payment Fees EVERY single month. I know I have legal rights to change my credit card due dates, I have done it in the past. My current payment is not due until XX/XX/2019 and I'm not behind. They are lying to gain money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fifth Third Bank XXXX XXXX NC has not resolved fake account funds that have withdrawn {$10000.00} from, my XXXX  XXXX XXXX account with ACH Wires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
In or about XXXX I opened a XXXX XXXX XXXX # XXXX at a XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX. I purchased tires and I continued getting my car serviced all charged to my XXXX XXXX XXXX XXXX ( which is managed by Citibank. The XXXX XXXX XXXX always honored the XXXX promotions, discounts etc. 
on XX/XX/XXXX I purchased a battery from the same store with the same card ( 2-yeaXXXX warranty ), it was to my surprise when I got the receipt, the store is now called XXXX XXXX but still honors my XXXX card the same as before. please see receipt attached. 
I moved to XXXX XXXX in XXXX and naturally I wanted to find the nearest XXXX XXXX store that would honor my card the same way, which I did, it is located on XXXX XXXX XXXX XXXX, XXXX XXXX fl XXXX ( XXXX ) XXXX. The XXXX XXXX sign was and still is on their building. 
I continued to use them the same way as the other store with the same credit XXXX honoring the same promotions and discounts for tires, oil change etc. sometime in this period they changed their name to " XXXX XXXX XXXX '' please see copy attached. remained to treat my XXXX the same way as before. All apply. 
on XX/XX/XXXX my car would not start, I had it jumped and I took to my XXXX / XXXX XXXX tires store. They checked my battery and found out it is 50 % dead and it needs to be replaced. 
I was shocked because I bought it with 2 years warranty from the same company " XXXX '' .. the extra 3 weeks extra from the time f purchase I was out of town and it is not enough time to cause a 2 years battery to be 50 % empty. XXXX XXXX XXXX replaced the battery and told me if I bring the receipt of my original purchase, he would refund my money. I did come back with my receipt from XXXX XXXX XXXX. At such time Goodyear/Action gator tire refused to refund me the money claiming XXXX XXXX is not part of their network. I contacted XXXX and that was a night a mare, I also contacted Citibank that I make my payments to on my XXXX credit card.

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 2020-05-05
Company: Everest Receivable Services Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Individual by the name under XXXX XXXX conacted me and right from the start began asking to verify my address to send paperwork, asked numerous times to id herself and finally she did so, then at that point gave partial call disclosures. The Debt Collector claimed I owed XXXX to XXXX XXXX XXXX through their store card XXXX. This was the first time I ever heard from this debt collector nor did I ever receive anything in mail give me the chance to dispute the amount of item The agent and her supervisor was pressuring me to pay the debt at once advised did not have that kind of money, then started pressuring me to make monthly payments that were unrealistic and could not make at that point my wife had enough of their games and yelled at them, supervisor came back with an abusive comment pay your bills, and asked do want to settle this debt.This Occurred on XX/XX/XXXX Friday morning around XXXX, we did file complaint with Texas AG office and waiting for word back from them. Agency needs to DEMAND to produce the call recording tape as the violations are quite BLATANT!!!!

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 2020-05-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a backpack from an international merchant and the item I received was different from what was pictured on the website ( see attached ). I filed a complaint with the merchant but did not get a satisfactory response so I filed a credit chargeback in a timely manner. I was told I could not be refunded unless I sent the item back to the seller and to coordinate with them but I did not feel I should have to be responsible for international shipping charges to send the item back. Later I sent the item back to the seller and asked AMEX to reopen the case, but they still decided it in favor of the merchant despite uploading tracking information and proof that I sent the item back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
I have refinanced my student loans with Citizens bank and they paid off my other loans. The payout went out on XX/XX/2021 but they never fully paid off my loans. 3 of the 4 loans were paid but they have not paid off the 4th loan yet. They claim the problem is with paperwork but yet after many calls between both loan agencies the issue has not been resolved. I have been told that they are experiencing issues with that loan provider who they did not ever pay off. I am now paying the full amount of the refinance as well as having to pay the 4th loan provider as well out of my own pocket every month. They wre double dipping and refusing to act upon it and cancel that one loan out of my refinance and give me a new monthly payment. So I am not paying the loan they never paid twice. They are ignoring my email and phone calls and are providing no help whatsoever. It has now been almost 6 months and nothing has changed. They are practicing fraudulent activity and refusing to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had a car financed by a lender they sold it to Wells Fargo in XXXX The payments are XXXX per month. I have never missed a payment and the loan has gone down 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 explanation
Consumer complaint received 2018-09-16
Company: PNB INTERNATIONAL INVESTMENTS CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I have some concerns about the information that XXXX XXXX XXXX ( XXXX  ) is keeping on their website. I was surprised that they are using security questions that are not appropriate. They are using information about me that were not provided by me. I have done business with the company for several years sending money to my family in the XXXX, but have been really concerned now about how much data they have about me. I would like that this company, XXXX ( or XXXX XXXX XXXX ) to remove all information about me on their servers. I do not intend to use their service any longer. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a XXXX XXXX and I believe I have been treated unfairly by Bank of America. I reported my debit card lost to Bank of America on XX/XX/XXXX. After reporting my card missing I noticed withdrawals on my account from an ATM that I do not and have ever frequented. Approximately {$360.00} ( six ( 6 ) {$60.00} withdrawals ) was withdrawn from my account. In addition, there were fraudulent check deposits made on my account. I again contacted Bank of America and advised them of this activity ( claim # XXXX, XXXX, XXXX ). Bank of America issued me a temporary credit for the cash withdrawals and a credit for the fraudulent checks. Bank of America closed both my checking and savings account following my reports. At the time of the closure, my checking account was overdrawn ( because of the fraud ), but there was {$260.00} in my savings account. On XX/XX/XXXX,  I filed a police report regarding the fraud and the theft. I did not know to do this before this time, as Bank of America never asked about a report or suggested the filing of a report. I did so after a friend suggested that I do so and indicated that maybe the camera from the ATM could be reviewed to determine who stole and used my debit card. On XX/XX/XXXX, I contacted Bank of America regarding the status of my complaint, because the account closure made it impossible for me to access the funds in my savings account. As a XXXX XXXX I needed access to these funds. I was advised by Bank of America that my claim had been denied because I could not explain how someone would have obtained my Personal Identification Number ( PIN ) to have been able to access my account. That was the full extent of the explanation I was given. I was advised that the temporary credit would be reversed. I can not explain how someone obtained my PIN and was able to access my account, but they did. As result of this fraud I have had {$360.00} stolen from me and I have been charged numerous fees by the bank, bringing my total loss to {$820.00} including the funds Bank of America took from from my savings account. This loss resulted in me being evicted from my apartment as I was unable to pay the rent.

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 2021-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My required monthly payment is {$1800.00}. I sent a check for {$2000.00}, which my servicer, Carrington Mortgage Services received on XX/XX/2019. However, Carrington is refusing this payment. Is there a way to require them to accept the payment I made?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Santander Consumer USA 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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX Ditech notified us that we would be given a new account number. When that happened our interest rate went from 1 % to 7.50 % and payment went from {$87.00} to {$310.00}. This was not correct since the above was in effect until XXXX of XXXX, and even at that time the contract does not go to7.5 % it only goes to % 2 with a payment of {$100.00}. This was all per a loan modification ( " 2MP '' ) done in XX/XX/XXXX. 
Each of the last 2 months we have been unable to make payment on the website as it shows the higher rate and payment. So we called and made payment on the phone with a representative for the correct payment amount. ( confirmation numbers are in documentation ). We continue to get calls and letters stating we are over 52 days past due and they have charged late fees. 
When we speak with someone on the phone or we go onto the web site it shows the correct interest rate and payment but letters and phone calls state the opposite. 
When we last spoke with a representative XX/XX/XXXX we were told, " We are working on it. We do not have a resolution date. We have over 11,000 accounts with this same problem. '' We are concerned about our credit report, almost daily letters, weekly phone calls and other possible repercussions since they do not have a resolution date. Since it has already been over 2 months since this all started, any help you can give us would be greatly appreciated. 
See included documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Credit Karma, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2017 I paid off my debt with XXXX XXXX XXXX XXXX/XXXX over phone. The amount settled on totaled at {$1100.00}. It has been almost a year and the debt has still not dropped off of my credit report. The only information I have is the email receipt I got, with no contact information for XXXX  on it. It states it was processed through a company called XXXX XXXX. Due to this issue I was unable to be involved with the purchase of me and my fiancees new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX is adding fees, and interest to a balance that should have ceased due to the pandemic and the president extended the cease on student loans. 
I am still getting emails, and XXXX is still calling my phone and my message number to harass me. 
It seems that nothing is being done to this company no matter how many times I file a complaint.

Company response to consumer: Closed with explanation