BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, money from transferred from a business associate to me of $ XXXXUSD.. making my paypal money balance $ XXXXUSD. He paid around {$40.00} for this transaction. I was always told that theres no hassle to get my money from Paypal and my bank XXXX also said that I could request a cheque from them for my funds. The same day I called & requested the cheque but the representative first sent me to a website where they say you can manually request the cheque : paypal.comwdfunds and paypal.comwdcheques but there were no options to request any cheque ; just to transfer money by adding a US account. I told the representative and then supervisor that I wasnt seeing that option on my end and dont have a US bank account. She said that she would formally request me to get the cheque at my home address in XXXX associated with my account ( which you have to verify among other things before being able to speak about your account to a Paypal ). She said it would take two weeks to process and arrive to my home. 

Today, XX/XX/2019 I called Paypal for an update on my cheque and was first told that no notation or request was made for the cheque.. then after investigations were made they said that the request for the cheque was declined by their staff member and there is nothing else they can do. I asked numerous questions and told them how unfair it was to international customers because most people would assume the fact that at least 95 % of international customers dont have a US bank account and it is my money that I earned and they are preventing me from accessing it. XXXX repeatedly said that there is nothing they can do and ask if I cant link a US bank account to my account by asking someone for their details? 

Now, 1 ) Why would I do that? And pay an additional $ XXXXUSD to  send the money 2 ) What is preventing Paypal from sending a cheque to an international customer vs a local consumer when globalization exists & sending mail internationally is VERY easy 3 ) Why are there no supervisors for decisions made like this and no  proper explanation made? 

My mail comes straight to my house and you need ID to change out the money anyways so security issues is a very weak excuse to NOT give me my money. I believe Paypal is deliberately withholding my money so that I can be tied to them and they can control my money there and I would HAVE TO make purchases through them. This is a form of abuse and I believe no consumer regardless of their nationality wants to be deprived of money they have rightly earned!! 

my email associated with the Paypal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
today XXXX I got a Credit alert on my Bank app saying that I had a Mayor derogatory cause by an account with a company named { Amerifinancial Solutio. 

but i have never contact this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called Santander XX/XX/XXXX/to advised that there was an error made to credit agency where my balance increased by {$410.00} and my 1st payment was due XX/XX/XXXX which was made on time, information about the balance increased was reported around XX/XX/XXXX & XX/XX/XXXX loan amount now XXXX with a 73month installment when my contract balance XXXX for 72 months when I mention to the agent this information and told him my source was XXXX XXXX he advised me that they are a 3rd party source and that I will need to contact credit agency and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened a new credit card with Citibank in late XX/XX/XXXX with the sole intent of utilizing their promo rate of 0 % for 21 months on balance transfers. This money was going to be used to payoff my home equity loan. I initiated the balance transfer on XX/XX/XXXX and it was done online. All that was requested was amount, name of creditor, account # and address of creditor. No routing # was requested. I got an email the following day on XX/XX/XXXX the transfer was complete. I watched my bank account for it to show up the following days and weeks that followed. After a week or so I reached out to Citibank and asked that they lookup the transfer because I didn't have it. They said it can take up to 10 business days. After that I continued to reach out to them multiple times to no avail. Finally I reached out to their executive team in hopes of getting a resolution to this matter because now I have a due date for minimum payment they are wanting. They assigned my case to an analyst and after some discussion with them they were going to research the transfer and came back with the trace ID. My bank can not find anything related to that trace ID or my balance transfer and Citibank is saying their is nothing they can do, the transfer went through and they can not rescind it back. My thoughts are they sent it to the wrong bank ( there are probably hundreds of American National Banks in the US ). I will not and should not be help responsible for something I never received and that went elsewhere. My bank has spent countless hours researching this issue and can not locate anything related to it. Please intervene and help as this is a huge XXXX XXXX company so big they are just trying to run over the little guy and act like their is nothing they can do. Seems to me they could figure out where they sent the money and reach out to that same bank and see what happened.

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 2022-08-06
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Received USD XXXX for work done by XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX to online Bank Account with Wise ( formerly Transferwise ), XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

To transfer USD XXXX from Wise, USA to XXXX and with no direct way to move money directly from Wise to XXXX, I thought to to move USD XXXX from Wise to XXXX by transfer to a XXXX XXXX XXXX  virtual account linked to XXXX. ( account details attached ) On not getting the funds to my XXXX on XXXX XX/XX/2022 as expected, and as displayed on the Wise online funds transfer tracker, I inquired from XXXX. 

XXXX responded saying, " Even if XXXX XXXX is linked to XXXX, there is no set up for XXXX XXXX to automatically transfer funds to XXXX ( that is nowhere in current existing services offered to XXXX XXXX ). '' ( screenshot attached ) They additionally explained that the virtual account at XXXX XXXX XXXX  account and linked to XXXX is not a regular bank account and can only reads funds already in XXXX and can not receive funds directly. Subsequently, I did not and will not receive the USD XXXX through XXXX from Wise. 

I reported the matter to Wise. 

They keep insisting that it is only XXXX that can initiate trace the funds. But I did not transfer from a XXXX account, but from my Wise account. 

XXXX Wise instructions, I asked XXXX to confirm that they indeed sent me the USD XXXX, which XXXX did with a valid bank statement. ( attached ) I also gave Wise my XXXX XXXX  statement for XX/XX/2022 showing I did not receive the USD XXXX as expected. 

REQUEST : could Wise kindly initiate a " trace and recall '' as the USD XXXX is somewhere between Wise and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: ACS Education Services
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XX/XX/XXXX, the company processing my federal student loans changed from ACS Education to Conduent to  now, XXXX. I've been trying to log in to ACS/Conduent 's website to retrieve my XXXX   information for the year XX/XX/XXXX ( student loan interest paid ). The website does not allow me to login and retrieve this info ( I get told I will be sent an email with a verification code to access my account, but these emails never arrive, not even to my spam folder ). When I call their customer service number, I am unable to retrieve this info either through their automated system, or even speaking with a live operator. I just get routed to a series automated messages with the final one hanging up on me.

XXXX   does not have this interest info accessible on their website ( presumably because my first payment to them was inXX/XX/XXXX ).

Please help, as I need that XXXX info for my taxes. Thanks! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I signed an Agreement with the, XXXX XXXX XXXX, in XXXX of XXXX the Balance was PAID IN FULL, I have been waiting for more than 60 Days for my Title to b sent to me. But while I am still waiting, I receive a statement informing me that XXXX XXXX XXXX has purchased a FALSE ACCOUNT FROM CAPITAL ONE, this is a Account that was Paid in full and I CLOSED THIS ACCOUNT MORE THAN TWO MONTHS AGO!!! Now I have received a letter informing that Consumer Portfolio Services has purchased a ACCOUNT THAT HAS BEEN PAID FOR AND THEN CLOSED, this makes no sense to me, I AM STILL WAITING ON MY TITLE FOR THE XXXX XXXX XXXX XXXX # ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-09-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have disputed with this company and they refuse to remove incorrect information from my report. I have reported this to the FTC and CFPB and nothing was done.

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 2021-03-11
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Try to do a FHA streamline refinance with AmeriSave at a rate of 2.25 everything was good as of XX/XX/2020 but than this company started a delay tactic asking for repeat documents pay stubs and payment proof of mortgage and tax statements for three months change the closing disclosure 4 times and started for XXXX up front and than on day of closing demanded XXXX otherwise there were going to raise the rate up to 2.75 while still holding a up front appraisal fee when no appraisal was done

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Twice I have deposited checks with a teller in the bank. Each time I was told I would have the money available the next day. The next day I was informed my check would have a 10 day hold. Each deposit- one for {$2100.00} and one for a cashiers check of {$10000.00}, I didnt even get the first {$200.00} available. Why would I need to wait 10 days for a teller deposited cashiers check and not even have the first {$200.00}?

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 2018-02-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im writing this on behalf of my minor XXXX. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX has inaccurately reported late payments on my account. Amidst the challenges of the Covid-19 pandemic, I proactively negotiated with XXXX XXXX and reached an agreement based on the pandemic 's impact on my financial situation. Despite this agreement, XXXX XXXX has consistently reported late payments to all three major credit bureaus, further exacerbating my financial difficulties. I respectfully demand the removal of these late payment reports from all credit bureaus. Given that my account terms have been adjusted as part of our new agreement, it's imperative for my credit report to accurately reflect this understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 received my credit report on XX/XX/2023, and noticed there were hard inquiries that didnt have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureau about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have any purpose to be on my credit report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Review the attached documents ; I request the bureau to initiate an investigation into these accounts. Despite my punctual payments, they are reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: OPTUM BANK, INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I wrote a check to my doctor 's office against my XXXX account, which had sufficient funds. My doctor 's office informed me that the check was returned unpaid, and assessed a {$35.00} returned check fee. I reached out to XXXX XXXX  twice, asking them to reimburse me for the fee, which was caused by them. They advised that they stopped honoring checks against XXXX accounts, but they never gave me notice of this. They have refused to make me whole despite failing to honor my check. I have attached messages with them making two attempts to resolve this, but they made no meaningful effort to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Paypal Holdings, Inc
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It started with a emailmessage from a XXXX XXXX to XXXX XXXX A message from Paypal Helpline - XXXX You authorised a payment of {$690.00} USD to ( XXXX XXXX Thanks for using PayPal. Please check the complete transaction details below. 
If you havent made this purchase call PayPal immediately at " XXXX to report and block this transaction. 

So I called the above number and denied this transaction they asked me type in an address in the browser so I did the next message was to type in a code so I asked about a code they gave me one to type in as soon as the code was typed in I lost control of my computer no matter what I did to this day XX/XX/XXXX they still had control of the computer they would not tell me what they doing they said they were transfering the {$700.00} into the bank account XXXX to cover the {$690.00} with-draw-al from the account but insted of {$700.00} a typo was made to {$7000.00} and so now te account showed a balance {$7000.00} so now they wanted their money back but they could not make the reverse transfer work. So they had me go to XXXX XXXX and get 7 Gift cards at a {$1000.00} apiece which I did and charged them to my XXXX credit card Today XX/XX/21 they called and wanted me to go to the bank and withdraw {$21000.00} in cash and mail the money to them but I refused to do so the conversation was some what heated. Later on I tried to get to the consumer finance.gov address but they closed down all the address tabs and locked the computer so I shut computer off and took the computer to the computer shop where it is now for a cleaning and a fresh reload of XXXX XXXX. The people I was talking to, probable were not people representing Pay Pal. Who knows, They had me believing i was doing the right thing that they do these procedures all the time. I went to another computer so i could look at my bank accounts, with out being interrupted, and saw that they did not transfer any money into the bank account, they just moved some of my money, from one account to another to make it look like they deposited money into the account that they claimed to have charged to and then wanted the gift card information to get the money they claimed to have deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. Please update these accounts XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance Owed : {$1500.00}.

Company response to consumer: Closed with explanation