BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My PayPal XXXX XXXX was stolen as I was walking into the store and the person stole it from me while I was not looking. I thought at first I just misplaced it at first but then I saw he sent me XXXX as a personal/gift payment which I know does not have protection for the buyer or seller. He then proceeds to immediately spend the money at a fast rate all at different XXXX stores. He first spends XXXX, XXXX twice, XXXX and lastly XXXX XXXX, as you can all on XXXX XXXX, XXXX. As you can see from my history I do not spend this have this kind of money and would never spend that large of money with my PayPal XXXX. What I am guessing is this person did a money order from XXXX and bought them quickly so he can take advantage. After this, this caused my account to go to into limitation and PayPal XXXX told me they notice some unauthorized activity and it froze my account. PayPal can even check the ip address to show some XXXX other went inside of my account to send me the money and send the money to somewhere else. Then on XXXX XXXX he did a charge back which caused my account to go in the negatives of - XXXX. I then proceed to dispute it with PayPal, but they did not help me because he sent the money as a " gift '' instead of sell and services. So I was out of luck and now PayPal is coming after me when I can not pay for this and this is not my debt. Tried everything with PayPal, I kept calling them and they will not do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 rewards from credit card

Complaint:
The Bank of America sent me a marketing flyer for its " cash rewards '' card. I signed up. I earned {$240.00} but the bank refuses to release the money to me. It now says that it had read to my the terms of the " cash rewards '' card on the telephone and claims it stated that it takes up to five ( 5 )  business days to give me the cash rewards. The bank, with all due respect, is lying. I was never told a thing on the telephone. This is yet an other example of bank deception and it is wrong! 

The branch manager in XXXX, New Jersey, XXXX XXXX  XXXX, remained me this morning that the bank had told me this on the telephone. I emailed her that this is a lie!

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 2017-11-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX of this this year I mailed a payment to American Express. One week later my account still had not been credited. I have paid by this method for 25 tears with no problem, therefore I felt it best to contact them. As of this date (XX/XX/XXXX)my payment has not been applied. However, I digress, I tried to apply my rewards points towards the balance, but there was so much confusion on the part of the representative I canceled the transaction. On XX/XX/XXXX, I spoke to XXXX at American Express who told me the credits, much to my surprise were applied and I owed nothing. When I preciously contacted American Express I was told something entirely different. I was told my points would be applied to the balance of XXXX minus  the XXXX  minimum fee. As I previously stated XXXX at American Express informed me there was no balance. Today XX/XX/XXXX,I called American Express to speak to a supervisor, figuring someone in authority would be able to rectify this problem. The first representative, XXXX< hung up on me. I called and was transferred to a supervisor XXXX. I l left a voicemail and the supervisor has not called me back. Bear in mind I understand mistakes happen. My concern is when the people who are paid to solve your problem are not up to the task.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I see an entry listing a chapter XXXX bankruptcy on my credit report. According to FCRA 623 ( a ) ( 5 ) if the credit bureau CAN NOT VALIDATE the information they must remove said information from the consumer credit file. The U.S. Bankruptcy Courts DO NOT REPORT ANY ACTIVITY TO CREDIT BUREAUS. Federal laws protect the privacy of most personally identifiable information reported. I have filed 4 written complaints against the credit bureau and the results of the investigation has been that the item and description is VERIFIED and no change. FCRA explains that the item must be VALIDATED not VERIFIED that is 2 different results. The credit bureaus refuse to remove from my credit profile.

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 2020-02-08
Company: Experian Information Solutions Inc.
State: MO
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:
When my identity was compromised i made a report however unknown and unauthorized items are still appearing on my credit file. The 3 major reporting agencies are required to show the Method of Verification when processing unauthorized accounts, and if this shown can not be demonstrated then the credit reporting agencies shall remove the accounts. Please remove and block the following accounts both collections and unknown authorized user accounts inwhich I have no knowledge of. 

1 ) XXXX {$250.00} 2 ) XXXX XXXX XXXX  ( unknown authorize user account ) 3 )  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 explanation
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Its reporting that I was late for a small balance where the overall balance on loan was paid in full before term.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Every 2 weeks there is some type of hold placed on my account I receive the same auto generated response no one has time to address my issue remove any flags that all of sudden been placed on my account.. I hear the same apology and here I am again with the same fraud flag for the exact same charges this is so frustrating!!

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 2020-02-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/20 I deposited a check for {$10000.00} using a SunTrust ATM. On Tuesday XX/XX/20 the deposit still was not recorded in my account. So I called the corporate customer service line and they said a hold was placed on the check. I am a 35 year customer wth the bank and have never had a check held before. The bank says they allowed me access to {$200.00} on XX/XX/XXXX and that I can have access to {$400.00} more tomorrow ( XX/XX/XXXX ). Then on XX/XX/XXXX they will allow me another {$4400.00} and finally on XX/XX/XXXX I can get access to the final {$5000.00}. This is an outrageous inconvenience to me and greatly hampers my cash flow. 

On XX/XX/XXXX I deposited another check for {$4000.00} and discovered this morning that that check is also being held and I have no idea when those funds will be released. Also over night, in the name of " overdraft protection '' the bank charged a separate personal account for {$9300.00} putting that account also in an overdraft status. But the corresponding account being protected was not credited for that charge, In addition, the original account to which the funds had been deposited was charge another {$10000.00} for a hold though no check was deposited to be held. As a result, two of my accounts are recording deep negative balances ( though neither was in arrears when the deposits were made ). I need access to my cash and the bank is not cooperating in any way to review the reasons for their actions. I need help to get SunTrust to take care of my problem. 

I have emailed a senior Vice President, I have made expedited complaints and requests to have my accounts reviewed, and I have visited my branch manager three times in two days. All to no avail. Can you hep me?

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 2017-07-07
Company: Experian Information Solutions Inc.
State: NV
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:
While reviewing a copy of my Experian credit report I noticed a total 5  unauthorized credit inquiries being reported. The companies listed below should n't have been allowed to access my personal credit information or put a credit inquiry on my file because they did not receive any type of authorization from me prior to doing so.
<P/><P/>
XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) I am requesting that the above unauthorized inquiries be removed immediately from my credit file. Again, I did n't authorize anyone employed from any of the above companies to make these inquiries or access my credit report. Please remove the inquiries from my report as pursuant to 15 U.S.C. 1681b Section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. This is a serious breach of my privacy. I have sent letters to the above companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. I have also placed a credit lock on my Experian report which will hopefully help to avoid these type of un-authorized inquiries in the future.

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 2020-02-19
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: Investigation took more than 30 days

Complaint:
I RECEIVED A NOTICE FROM XXXX  XXXX  REGARDING MY CREDIT SCORE DECREASING BECAUSE XXXX XXXX XXXX INCREASE A PAYMENT ON MY EQUIFAX CREDIT REPORT BY {$30.00} AND MADE MY SCORE GO DOWN BY 88 POINTS. AT THE PRESENT TIME I AM DISPUTING XXXX XXXX SERVICES ENTIRE CREDIT HISTORY REPORTING. I WOULD LIKE TO KNOW WHAT AUTHORITY DOES XXXX   XXXX  HAS TO DECREASE MY CREDIT SCORE, BECAUSE THEY ARE NOT A CREDIT BUREAU ANYWAY. XXXX HAS ON MY REPORT AT THIS TIME AS ACCOUNT IS CLOSED. XXXX XXXX XXXX  ALREADY KNOWS THIS ACCOUNT IS IN THE PROCESS OF LEGAL ACTIONS BEING BROUGHT AGAINST THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I am on a CARES act COVID forbearance with my mortgage company, Shellpoint. 

Unfortunately, they are refusing to take or return my calls with regards to said forbearance. 

Their representatives do not have direct numbers, will not provide extensions, and will not provide an appointment to talk to them. They make you wait on hold and no one returns your call. 

I feel they may be doing this for nefarious reasons ( e.g. trying to prevent me from exercising my legal rights to an extended forbearance under the CARES act )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: CNG HOLDINGS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Friday, XX/XX/2018 I contacted a creditor that I owed. The company name is XXXX. I called trying to pay out an account I had with them but i was told another agency was handling my account and to call them. The company that was handling my account is XXXX XXXX XXXX. I called and I informed the lady that I needed to pay out the account. She said the balance was {$700.00}. I said okay and then I said to her I see this is not been reporting on my credit report and she said No it isnt. I proceeded to pay the money and she said it declined but that she would run the card again the next day which was Saturday. I said okay. She stated she would send an email and confirmation when it was done. Saturday morning I checked the account and the pymt was made yet I did not receive an email or confirmation from them. Approx 1-2 hours later I received an alert from XXXX XXXX indicating a new collection was added to my account. I logged in to see that this company had reported it to my credit reporting agency as an unpaid account as of XX/XX/XXXX. As a result my credit score dropped over 34 points causing me delay in trying to purchase my first home. Prior to Friday I had never heard anything from this company. No phone calls or letters. It was not on my credit report until after they got their money. This company reported false information not by accident but knowingly they put false information on my report causing me harm. This company should be fined because they violated the FDCPA LAW which states if a company puts false information on your credit report knowingly this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
1. On XXXX/XXXX/XXXX - It got Credit report from " XXXX " that contain one out of 4 names.

wrong. They told me to contact Capital One Auto finance, who reported that information.

2. When I called XXXX, they me told me that name was provided by Capital One Auto finance and that modification can only requested by Capital One Auto finance only.. 
3. When filed dispute with them, on XXXX/XXXX/XXXX Capital One Auto finance, conveyed me to call their XXXX XXXX 4. I have been have been in communication with Capital One Auto finance number of times, since XXXX/XXXX/XXXX ( XXXX ) including provided them copy of Credit report by Fax ( XXXX ) on XXXX/XXXX/XXXX, as requested by XXXX XXXX of Capital One Auto finance 's president 's office. 
5. When called Capital One Auto finance on XXXX/XXXX/XXXX at XXXX am XXXX, they told me to call again XXXX tel # XXXX. 
6. I called XXXX tel # XXXX XXXX/XXXX/XXXX at XXXX am XXXX, they told me that there has been only one updated from Capital One Auto finance on XXXX/XXXX/XXXX but not for Name issue. Ant that also confirmed that Name in issue was only reported by Capital One Auto finance only, This is very stressful for a person who is 75 years ... .. 

Need your help to provide case #, communication in writing and resolve the issue in few days and not 30 days ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Issue : I have switched my Mortgage Provider from Fifth Third Bank to different Lender. My Property Taxes were paid both by New Mortgage Company and Fifth Third Bank. I specifically called 53 Bank and asked them not to pay taxes. Since it was already paid by other Bank. This happened on XX/XX/XXXX. Still I did not receive the check from Fifth Third Bank yet. They were not able to find the check issued by county. I have been reaching them every week for the past 2 months but get different update every time. Finally They have assigned a supervisor for my case and even she is not responding to me. Her work number goes to Voice mail every time i call her. She haven't returned my call yet. 

Resolution Steps Taken : Follow up every week Conclusion : I'm very disappointed on waiting on check ( XXXX XXXX ) for past 2 months despite of constantly following up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 explanation
Consumer complaint received 2017-12-28
Company: Scott’s Jewelry & Pawn Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I took a payday loan with XXXX XXXX and due to my health crisis I was put in a position where I could not pay it back. I have chronic XXXX, XXXX XXXX XXXX now and XXXX problems. I sent them a letter about my conditions and about me being judgment proof because I am on XXXX as my sole income. Theye got that letter sent to them certified on XXXX XXXX, XXXX and they debit my account of XXXX on XXXX XXXX, XXXX. Thing is the ACH debit was for Scotts XXXX XXXX XXXX a different amount from what I owed. So the charge would go through because I stopped payment on the check. The owner is desperate because he is going to jail for a theft ring with his stores and getting money by fraud is not going to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: LA
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:
My information has been compromised and used without my knowledge. It is the direct result of the numerous XXXX  breaches and them leaking information to sell identity theft products. As a result of XXXX  willful negligence which is the direct violation of federal law section 609 ( a ) ( 1 ) ( A ) and 617 my credit report has been injured. False fraudulent information has submitted without my knowledge. There are no contracts baring my wet ink signature there are no records of this fraudulent debt. I will submit a copy of my credit report in which items masquerading as accounts were 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 2017-11-10
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: Was not notified of investigation status or results

Complaint:
I have tried several time to get an account- XXXX XXXX XXXX removed from my credit report. I am not the owner of this account and have sent letters several times disputing this inaccurate information. The reporting company just keep sending a statement back saying the information has been " verified and updated ''. I have requested the description of the procedure used to determine accuracy to no avail. I have been battling this problem for 90 days now. I need any help that can be provided. 

Kindly, 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 explanation