BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-30
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX from approximately XXXX to XXXX Several fraudulent charges were made via my paypal account ( XXXX ). I received a mobile alert via XXXX XXXX XXXX XXXX and was also advised that my card was being placed on a suspended status for suspicious activity after money was transferred from my bank account to PayPal to cover the expenses. At this time I was in Texas using my Debit card to buy gas. After investigating the suspicious activity myself I was able to find out from Paypal that the charges came out of another state. Since I can't be in two places at once I figured this would be an open and shut case ; however, paypal is denying my claim, claiming they have " proof '' that I authorized the charges. I am willing to provide testimony under penalty of perjury that these were not my charges. As I understand these charges were for goods that were not tangible but electronic. After spending time talking to my financial institution and paypal that situation still remains unresolved. The following are the charges : I have provided a screenshot of my debit card activity that ranges from New Mexico to Texas during the time of these transactions. 

Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$24.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$49.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$63.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$9.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$5.00} ) Auth. DateXX/XX/2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I received a credit report from XXXX  XXXX XXXX XXXX XXXX, an XXXX XXXX company, today. 
This report is a compilation of XXXX, XXXX, and XXXX credit summaries. 
On two reports ( XXXX  & XXXX  ) my ratings dropped 113 points and 140 points respectfully. The XXXX  rating increased from an XXXX points to XXXX points! 
After speaking with a representative from XXXX XXXX XXXX, I was informed that the significant decrease in two reports was a result of a Capital One reporting a negative credit report. 
I am filing an appeal to the credit reporting agencies to correct this egregious error in my credit reports. 
I cancelled my Capital One card many months ago but they compounded a very small amount I owed into over a {$100.00} debt. I paid them that usurious amount in order to be rid of Capital One. 
Some federal watchdog unit should keep an eye on them in order to prevent the public from such fees. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Miller, Stark, Klein and Associates
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received block call unknown name & number asked To call XXXX Where a recorded voice states " WE have tried to contract several times and WE have recived several complaints in our office " call XXXX. Upon calling I asked for paper work. was told to do the work myself and I would be sued

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
State: VA
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 reported a Hard Inquiry on my Equifax credit report on XX/XX/XXXX & XX/XX/XXXX. The inquiry on XX/XX/XXXX shouldn't be reporting. What would be the reason to run my credit twice and i already was approve for service prior?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I signed a 12-month lease with XXXX XXXX XXXX   XXXX. On XX/XX/2018 my cosigner went to the leasing office to pay the pro-rated last months rent of {$700.00} to cover the remainder of the lease obligation through XX/XX/2018 as instructed by the leasing agent. He was assured that this amount would satisfy the account. On XX/XX/2018 I vacated the property and returned keys to XXXX. XXXX checked our file, assured me that my account was satisfied and that I would be receiving my deposit back by mail. She confirmed our forwarding contact information was correct and I left. 

On XX/XX/2018 I received a letter from Fair Collections and Outsourcing attempting to collect a debt on behalf of XXXX XXXX XXXX XXXXXXXX in the amount of {$150.00}. This is the first time I have been contacted regarding any debt owed to XXXX XXXX XXXX XXXXXXXX. I have not received any notice either by phone or written by post or email regarding any debt much less a delinquency. The letter did not give any detail or itemization of charges, nor have not received my deposit as promised by 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 2020-06-02
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was in the process of buying a house, so I had alerts set up on my credit karma. I get an alert saying new collections account. It was this one, I panicked and called them immediately. I went ahead and settled the payment but this still altered my approval to purchase my home. I would have at least liked to have notice before also it states the account was opened in XX/XX/XXXX when it was closed in XXXX. Seems very unfair to wait this long and then sneak attack me. The timing couldnt have been worse this has been a nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2018 I purchased a single item on XXXX. It was a one of a kind item, impossible to order a quantity of two. I was double charged. The item price was - {$200.00} and I was charged that amount twice. I checked out as a guest so I was told that buyer protection was not offered to me. I was also told by XXXX that only one of the transactions had gone through. I contacted my bank ( XXXX ) to dispute the transaction. The dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
On XX/XX/2015 I made a withdrawal from a XXXX XXXX  ATM in XXXX XXXX XXXX XXXX, XXXX. I withdrew XXXX VND using my Chase Bank debit card which at the time was equivalent to {$95.00} USD. After checking the withdrawal amount out of my Chase checking account I saw that Chase had debited my account well over {$200.00} USD. I immediately contacted the XXXX XXXX  and they were very helpful and sent me a receipt of the ATM transaction. I filed an investigation with Chase Bank and was told the only option that I had was to cancel my debit card which was impossible for me to do at the time. They told me that I would not be receiving a refund for the correct amount. I advised them that I had a receipt of the transaction and I believe I was told they didn't even want to see it. I believe that Chase bank made a gross error in the exchange rate as the amount I was debited compared to the amount received from the ATM. In fact, the amount debited was not even possible to be requested by the ATM as it would have been over the limit for that ATM withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When Hurricane Irma tracked through Florida in 2017 we had damage to our property where we reached out to the servicer Roundpoint for assistance for one payment to help pay for repairs that insurance did not cover, they advised area has been designated by FEMA and they were offering assistance for impacted borrowers. 
We were advised there would be no negative impact with any credit bureau reporting and no fees and account was placed in a Forbearance status. 
We completed the trial payments and accepted modified terms. 
The account did report to the credit bureau late but was later corrected by the servicer. 
The complaint I have is the loan level advance fee for {$15.00} that was charged from the property inspection that was ordered from the modification. 
Our area was a FEMA designated disaster area, Roundpoint advised no fees while account was in Forbearance status. 
I have tried twice to have fee waived, they said would escalate to their appropriate department for review and still no adjustment. 
Other than the assistance I asked for from Roundpoint, I have never been late with a mortgage payment, they would not waive for even customer first I have no confidence with Roundpoint to further assist me with matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This company threatened with an lawyer review. I attempted to contact this company in XXXX of 2020 through contact via phone & later through certified mail. My attempts in contacting this company was met with a returned certified letter to my home address. Again in XXXX of 2020 I sent another certified letter to this company asking to verify & validate this debt. I have yet to receive any communication from this company in regards to my second letter for verification & validation other than the threat they send me with being sued. Actions they are willing to take include, but are not limited to : Obtain a lien against my property Garnish my wages or bank accounts Obtain information about my assets.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: Experian Information Solutions 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:
Companies reporting inquiries on credit file that I have no knowledge of requests that companies provide me with information proving i applied for anything with these companies I'm a victim of Identity theft and I have fraud alert on all 3 credit reporting agencies and no one should be able to pull my credit without authorization from me and I have not at anytime give these com permission to run my credit

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 2018-10-30
Company: Global Payments Check Services, 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:
This complaint is regarding Global Payment Check claims I have a charged off, closed account in the amount of {$120.00} that was apparently opened XX/XX/2013. I am writing to advise you that Global Payments Check is in violation of TEXAS DEBT COLLECTION ACT, TEX.  FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which  prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching Global Payment Check on the Texas Secretary of State debt collector website I have found that Global Payment Check is not bonded in the state of Texas. I am requesting Global Payment Check immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 
The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN.  CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
In XXXX of 2016 Navy Federal Credit Union reported to the credit bureaus that I was 30-59 days late in payment. This happens to false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a unverified account from a XXXX XXXXt # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure  maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2018-10-30
Company: Experian Information Solutions Inc.
State: MN
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 a victim of identity theft. The following accounts and credit inquiries listed on my XXXX and Experian credit reports are all fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXf XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/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 2021-08-06
Company: CURO Intermediate Holdings
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX states they will file with XXXX XXXX county if I do not pay {$260.00} for a unpaid Payday loan. They claim it's from XXXX and they will take me to court. After I spoke to the guy I still got a call and so did a family member stating if I do not call I will be located at there house. They can not provided any proof of this loan from XXXX and they can not send me anything in writing. Not on my credit report. The voicemail they leave also say this is legal notification by telephone. I asked which court house in XXXX XXXX and any documents but they said they don't have that information that it will be provided to me at court. The payday loan company does not show a loan for me in XXXX. But one over 7years ago. I did tell XXXX XXXX this but said I can talk to the judge or settle this with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Mobiloans, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I recently found out that this company is illegal in our state. I have emailed them with the hopes of at least a payment arrangement for the principal only.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-30
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
There was this promo when I open the account Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days Its been more than 90 days since I completed the requirement but didn't receive the bonus.

I asked customer service through chat and secure message, they always said it being investigated

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 2021-01-21
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Today is XX/XX/XXXX. I closed a refinance on my primary home the end of last year with Loan Depot. It has been more than 20 days and my loan hasn't funded. My loan processor, XXXX XXXX. NMLS license number XXXX told me the underwriter is requesting additional documentation ( XXXX P & Ls ) for a loan that has already closed but not yet funded. Her namager is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have not been able to log in to the website to get information or cancel my membership. I have tried 6 different phone numbers for Experian but I get the exact same automated message without any option to speak to a representative. The time that I said I was having trouble logging in, they said they would send me a link to change my password but the link didnt work. When I tried, via the automated system, to cancel my account it said that I could cancel my free account but the account I wanted to cancel was not a free account. I sent Experian an email with the above complaints on XX/XX/XXXX and still have not received a response. I am trapped unless I can get a live person to help me. 
This is the worst customer service I have ever experienced. I hope that the Consumer Protection Bureau can help me get in touch with a live person that could resolve my issues. 
Thank you, 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