BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: Paypal Holdings, Inc
State: CA
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.com will not let me close my account nor access it to check for transaction disputes. This involves accounts associated with paypal.me/XXXX and paypal.me/XXXX I can not close/login or contact support for my primary account. And the secondary account has the name of CARE GIVER and I am unable to amend this data or close the account or contact paypal via this account in regard to my primary account. 

I want to remove donation links as I am not 503 ( c ) paypal.me/XXXX and paypal.me/XXXX  A video of me attempting to login with correct password is available at XXXX and XXXX has screenshots

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-25
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: Account information incorrect

Complaint:
XXXX XXXX XXXX incorrectly report late payments made as agreed and mortgage balances. I have complaned on this issue several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: AMCOL Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX Hospital XXXX MO bill for services on XX/XX/XXXX and XX/XX/XXXX was sent for collection to AMCOL Systems on XX/XX/XXXX. XXXX XXXX XXXX. XXXX SC XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX AMCOL collected a monthly fee of {$4.00} with the {$20.00} payment in violation of XX/XX/XXXX Missouri Revised Statutes Title XXVI Trade and Commerce Chapter 408 Legal Tender and Interest Section 408.096. Loan arrangement, excess fee prohibited for certain transactions -- penalty. Complete debt information was not provided in the original letter. 

" Universal Citation : MO Rev Stat 408.096. 

Loan arrangement, excess fee prohibited for certain transactions -- penalty.

408.096. No person, firm or corporation shall receive or impose any fee or charge, other than one expressly provided for by statute, for arranging credit in the amount of XXXX XXXX dollars or less the proceeds of which are intended to be used by the borrower primarily for personal, family or household purposes. Any contract evidencing such excess fee or charge and any note evidencing credit so arranged is void. Any person, firm or corporation who receives or imposes a fee or charge prohibited by this section is guilty of a class B misdemeanor. 

( L. 1979 S.B. 305 ) Annotation Copyright Missouri Joint Committee on Legislative Research ''  XXXX XXXX XXXX This statute affects the Missouri Fair Debt Collection Practices Act. 

Representatives XXXX XXXX and XXXX, Supervisor XXXX, and Cheif Financial Officer XXXX XXXX refused to send documentation of amount owed and the amount paid. Returned call on XX/XX/XXXX XXXX read a letter from XXXX XXXX claimed that they are a payment collection service, not a debt collector. XXXX refused to send physical copy of XXXX XXXX 's statement, physical copy of amount owned and list of all of my payments. Said the fee was for debit and credit card collection and mailed in payments were free. Would not send a physical copy of the terms of collection. 

From XXXX XXXX XXXX " Validating the Debt Within five days after contacting a debtor about paying a debt, the collector must send a written notice that includes : the name of the creditor and the amount of debt ; that the debt will be assumed to be valid unless disputed within 30 days. If disputed, the collector will verify it and send a copy of the verification or of a judgment against the consumer. 

During a period when a debt is being verified, the collector may not attempt to obtain payment. 

Unfair Practices : Debt collectors may not engage in unfair practices such as : collecting any amount greater than your debt, unless allowed by law ; making you accept collect calls or pay for telegrams ; depositing a post-dated check prematurely. '' Source : Missouri Division of Finance Consumer Credit Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Senior Counsel/Consumer Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Multiple fees that they call overdrawn checking fee and overdraft service fee They are charging multiple fees for the same items. They are charging fees even if the account is brought to a positive balance the same business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
two XXXX XXXX XXXX accounts are reporting under my name on experian and XXXX credit reporting agencies, these are fraud accounts ans inaccurate reporting, i have not inquired or applied to these irrelevancies, i have never given permission to anyone to open these accounts they were opened with out my knowledge, please help me to have these fraud accounts removed from two bureaus. appreciate your help towards consumers, i XXXX and found out that you could be able to help me, since no one else could. 
please these accounts are fraudulent and need be taken care of as soon as possible thank you for your help

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 2018-05-04
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:
There are two positive accounts, XXXX and XXXX XXXX XXXX, reporting on my credit report. I have never had an account with either of these companies. I have sent multiple letters to the Bureaus asking them to remove them, but they have failed to comply.

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 2020-05-04
Company: Colony Brands, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had a credit account with Monroe and Main for years. I purchased some winter jackets using the credit account around XXXX time. I had relocated from the address I had resided at previously. Although I was logged into my account at the time of the purchase the creditor assigned a new account number because of an " alternate shipping address ''. I was not notified that a new account number was assigned and assumed that ( especially since I used my existing account ) my balance would be added to the existing balance. 
Because I was unaware that a new account was made, I continued to make payments on my existing account. Monroe and Main reported my other account ( that I did not know existed ) to the credit bureaus. I did not know until I got a credit monitoring alert. 
I had such a difficult time when trying to reach the appropriate person by phone being passed person to person. Each person gave me a different answer, half of which could not even locate either of my accounts let alone both. By the 4th call and 7th person I was finally able to determine that a second account had been created, they indicated this was their error when I demanded to speak with a supervisor and indicated they would XXXX credit bureaus and they would provide proof of this in writing. Despite this " promise " and 4 additional correspondences, I have not received any confirmation that this has been resolved. I had advised them that I would be making a report against them due to their flawed and destructive practices. They have reported two delinquent payments which dropped my credit score by 60 points. 
Please follow up with this entity and their questionable practices. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: FL
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:
on XXXX I sent a 3rd round of letters to all Credit Bureaus demanding to comply, investigate and delete inaccurate information that is finically costing me defamation. It is now 60 days later with no response and deletion of inaccurate results on my credit report I demand that all items be deleted due to the violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
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 rewards from credit card

Complaint:
In XXXX or XXXX, XXXX, I redeemed XXXX HSBC Reward points for {$51.00} cash to my external bank account. I was unaware that the {$51.00} had to be transferred to an HSBC bank account. HSBC did not transfer the money to my external bank account. By its letter to me of XX/XX/XXXX, HSBC advised me that " We were not able to process the credit because the Checking Account you selected is not the correct account. Therefore, we have returned XXXX points to your Account. '' See 12/28/20 HSBC Letter ATTACHED. However, 30 days after the letter, after 5 phone calls with HSBC and more than 4 hours on the telephone with HSBC, HSBC has not returned any Reward points to my account, so my Reward Points remain at XXXX. I have called HSBC 5 times. I was repeatedly told by HSBC that the matter was being " escalated '' to a Supervisor and someone in Customer Service would call me back the next day. It is now XX/XX/XXXX, more than 30 days from the HSBC letter, and Customer Service did not call me back nor restore the XXXX Reward Points to my account. Today, I again called HSBC because I still have XXXX Reward Points, and was on the phone with HSBC for OVER TWO HOURS, and at the end of the conversation, was told that HSBC would " look into the matter and contact me within 3-5 business days. '' This is not a reasonable response. HSBC affirmatively misrepresented to me that the Rewards Points were restored to my account, and when they were not, there was really no reasonable remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Bread Financial Holdings, Inc.
State: MD
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:
there are errors on my report because of breech with XXXX but it seems as though the credit reporting company will not delete incorrect information. HOW CAN I GET ITEMS DELETED OR REMOVED THEY ARE NOT MINE, MY IDENTITY WAS STOLEN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: JPMORGAN CHASE & CO.
State: CA
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:
On the XX/XX/XXXX, I received a bill for opening a Sapphire Credit Card , {$450.00}. I NEVER EVEN APPLIED FOR ONE. 
I called their XXXX XXXX XXXX XXXX Customer Service No., spoke to 'XXXX '. While canceling the card, she divulged that the Information that was given to them, was my Name, home address, Age, Soc.  Sec. No., an Incorrect email address, home phone. 
I asked why they did NOT CALL, OR TRY TO USE THE EMAIL. BOTH WOULD HAVE STOPPED THE FRAUDULENT APPLICATION! She did n't respond. She just said it was Fraud. 
Though no one has used the card. I want Any and all fines to come to Me, for their XXXX handling of my Identity Information. Their view, that this was a XXXX Breach, is irrelevant, and Chase just tried to make it a Money making event. 
They did NO DUE DILIGENCE, and instead, chose to make it worse. 
The card started on XX/XX/XXXX, I ended it on XX/XX/XXXX. As appears on their bill, XXXX XXXX  {$22000.00} Avail. Cash {$4800.00} I 'm sorry I am furious That I a Retired, XXXX Citizen, am subjected to this. 
I thought that all those unsolicited Chase Card applications would cause problems, despite my attempts To get them to STOP SENDING THEM. IF THIS OFFICE HANDLES COMPLAINTS ABOUT XXXX I NEED TO MAKE ONE. I HAVE XXXX XXXX AND AM BEING HARMED MINUTE BY MINUTE BY CHASE AND XXXX. 
PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I NOTICED IN XXXX THAT A FRAUDULENT ACCOUNT WAS OPENED WITH XXXX  XXXX IN XXXX. I CONTACTED THE FRAUD DEPARTMENT AND PROVIDED AND IDENTITY THEFT REPORT AND AFFIDVIT AND VERIFIED THAT IS WAS INDEED FRAUD AND THE ITEM WAS REMOVED FROM CREDIT REPORT. NOW XX/XX/XXXX I RECEIVED NOTIFICATION THAT LVNV LLC IS REPORTING DEROGATORY INFORMATION TO THE CREDIT BUREAUS ABOUT THE FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC was more than happy to take my deposits, but they were unwilling to take reasonable measures to make my deposits available for withdrawal. I opened my Performance Select Checking with them and am a PNC Private Client. Despite multiple attempts to get them to provide the free checks they alleged came with the account, its been about 9 months that theyve failed to deliver the checks, leaving me with limited options for making withdrawals. Ive contacted them via several media - their customer service number, in their XXXX XXXX DC branch and via twitter. They should be ashamed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: OH
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 filed a complaint with identity theft.gov yet the fraudulent takeover of my account was never resolved, leaving a negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2018-03-20
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:
XXXX, XXXX, XXXX, and XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX XXXX veteran very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CHARLES SCHWAB CORPORATION, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, I initiated a transfer of {$100.00} from my checking account to my money market account. I received an error on the transfer and tried a few more times, unable to get it to go through. On the morning of XX/XX/2021, I contacted Schwab customer service because I continued to get an error message. A team member on the brokerage side attempted to do the transfer for me but also encountered an error. She transferred me to a representative on the banking side who was able to get the transfer through. 

That afternoon, I looked at my account and saw that nine transfers of {$100.00} left my checking account. It appeared that one went through for every time I or a customer service rep attempted to make the transfer. However, when I looked at the brokerage account, only one transfer of {$100.00} went through. This left {$800.00} missing from my checking account. 

Since XX/XX/XXXX I have spoken with multiple representatives at Schwab. Given their long hold times, I have spent many hours on the phone waiting for help. Each customer service rep I have spoken with has told me the issue was known and was being worked on. Each promised me the issue would be fixed by the following business day. As of today, XX/XX/XXXX, the issue still hasnt been fixed. 

If I would have overdrawn my account I would have incurred bank fees as a penalty. Instead, in this situation, I have to float {$800.00}, money that can not be spent or invested, because of a banking error that Schwab staff is seemingly unable to resolve. I have been told by some reps that the eight erroneous transactions would be voided and the funds returned to my checking. Others have told me the eight erroneous transfers would be completed and the {$800.00} moved to my brokerage. I am unable to understand why this issue can not easily be resolved and have completely lost both patience with this process and faith that my money is safe with Schwab. 

It is worth noting that in the middle of this issue, I encountered another issue with Schwab whereby a stop limit set on a security I once held with Schwab but later transferred to XXXX was activated. I had an alert in my account showing I owed those securities back. Thankfully, they were able to void that transaction but it only adds to my impression of Schwab having issues with the way in which their systems hold and manage my money.

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 2018-09-18
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2018 I received a debt collection notice for Debt Recovery Solutions out of New York, alledging I owed a debt to XXXX XXXX XXXX. 

I researched XXXX XXXX and found that they appear to be out of business so I could not contact them directly. I wrote a letter to Debt Recovery asking for verification of the debt that must include my signature as validation that I had agreed to any such services. First letter mailed on XX/XX/18. 

Second letter to Debt Recovery mailed on XX/XX/18 advising that I had not received any response and to ensure they removed any and all debt collection trade lines from my credit report. 

The few days later I received a response with some computer generated statement as their attempt to validate the debt. 

I sent another letter on XX/XX/18 disputing the validity of the debt again and disputing their documentation since it was computer generated and anyone could have created it and it did not include my signature or any authorization from me for said services. 

I have received no response to my 3rd letter. Debt Recovery has refused to respond to my reasonable demands that they prove I owe this debt. They are harming my credit and my reputation with their trade lines and I should not be obligated to pay something to some third party if they can't show written evidence I agreed to anything. 

As far as I can tell I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: JPMORGAN CHASE & CO.
State: IN
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 an item on Amazon  using my Chase Amazon credit card. The item is a Prime item and I am a Prime member. This means that items I purchase that are defective are able to be returned with Amazon covering the cost of shipping. 

I ordered an item, a pair of pants that were substandard and defective. I attempted to resolve the matter with the merchant directly but received no response despite several contact attempts. Amazon too was unable to prove a refund or paid shipping label saying that this item was privately fulfilled and thus did not qualify for Amazon Prime. Note, I have a screenshot of the item showing that it is indeed a Prime item. 

I called my credit card company to dispute the charge. Despite waiting hold for over 45 minutes, no one ever assisted me. There are statutory deadlines that this ineffective assistance is causing me to run afoul of and I would like the credit card company and Amazon to fulfill their fiduciary duties. I hav spent much more time on this issue than is fair for the cost of these pants ( about {$35.00} XXXX.

Company response to consumer: Closed with explanation