BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
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:
Hello Dear CFPB I am writing to ask please assist me to reopen my paypal account which is registered under : XXXXXXXXXXXX. I opened account with paypal with all terms and conditions. One day i got email verify my identity and explaining what transaction i was doing. I said i listed used items on XXXX and sold it there, since i do not accept cash buyer wanted to pay me with credit card and i had no chose to offer him pay by paypal. I accepted money and as all normal people disburs to myself in my checking account. After couple days i got this message. 



You ca n't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX I have done nothing wrong and i feel its unfair to close my account for only reason i accepted payment. Please assist me to reopen and have paypal account because they are largest in the market and if i do not have it i can not even sell anything in XXXX they are monopoly in XXXX i have no choice. I think its not ok to not give option to your clients. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Experian Information Solutions Inc.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear XXXX XXXX : I had called you in reference to a closed utility account named XXXX XXXX account number XXXX. This account was reported fraudulently by the credit on XXXX XXXX XXXX. After closing and paying the account, whomever reported this information should be investigated for using FCRA systems in an improper manner. Despite my dispute XXXX XXXX has not fully investigated, and I am asking the CFPB officials to investigate the matter before I file a law suit in regard to XXXX XXXX XXXX credit reporting. 

Not only the act was in violation of state law ( 16-262g ). It was willful act by either collection or customer service agents at XXXX XXXX to harm consumer credit. 

XXXX XXXX needs to delete the entire account, correct and block the creditor from conducting illegal credit reporting.

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 2018-01-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have two derogatory marks on my Equifax report. The two marks are in collections. I have no knowledge of these two accounts and feel that they are inaccurate. One account has been on my credit since XXXX of 2014. The creditor of this account is XXXX XXXX XXXX and the amount is for {$210.00}. The other collections account that is affecting my Equifax report is XXXX XXXX XXXX XXXX. The amount of this collection is {$45.00}. This report is not to my knowledge and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX - I made a transaction from my XXXX account to my XXXX ( Coinbase ) Ether account of XXXX XXXX worth {$860.00} at that time. 

I realize that I must not send XXXX XXXX to my XXXX Ether address. However mistakes happen and now I have {$860.00} dollars worth of XXXX sitting at this address at XXXX and I ca n't access it. 

I immediately tried to cancel the transaction but it was too late. I also immediately contacted the customer support but I was told that the money is not accessible. 

I understand that I made a mistake and I also understand if I have to pay a service fee to get my money back - but I ca n't accept that the money is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from XXXX XXXX saying that I owe XXXX dollars. When I go to the school they say they do n't know where the balance comes from I owe XXXX. I should n't owe anything at all. There was a natural disaster that caused me to have to drop classes for the last two fall sessions. Last year they charged me back for my classes but I still had to repay the loan so I was charged 2x for the classes. This year they reversed my loans all together then doubled the amount but I am still repaying the loan to the state. I need help to get this resolved. I should n't be being charged anything back because of the natural disaster

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently received a new debit card in the mail from Wells Fargo ( XX/XX/XXXX ) with request to inactivate the old card. Reason was suspicious activity on the old card. Literature with card states " wont affect linked accounts. '' ( see bullet point 3 under " why a new card '' ) on WF scanned document. 

( XXXX ) I found out that is not true by one of your bankers ( call- XXXX hrs ) and I need to notify all accounts. That delay in accurate information could affect my credit score and relationships with those accounts on the old card. 
Further I requested What suspicious activity led to the of inactivation of the old account in a previous call and I was told that information cant be released which I believe is a violation of the Fair Credit Act. None of this on Wells Fargo behalf is in the customers best interest. 

Lastly when I called in to change the card I received a robocall for dish network and I was caught in a loop wanting me to connect to XXXX even though I kept replying in the call that I did not want to connect. 
With all the legal issues that Wells Fargo faces, it would seem that Wells Fargo would attempt to get their processes in order and do what is the best interest of the client, that does not seem true.

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 2021-03-09
Company: Colony Brands, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX XXXX XXXX started charging me 2 interest rates on my 1 XXXX XXXX -charge account This is a credit card that can be only used to make perches on the XXXX XXXX web sit. I have had this account since XXXX AND HAVE NEVER BEEN LATE ON A PAYMENT OR MISSED A PAYMENT,,, I have been charged 23.94  % interest since XXXX, XX/XX/XXXX XXXX XXXX added a second interest rate of 25.99 %, 1. I was not give 45 days written notice and the option to opt out 2. i have never been late or missed a payment EVER 3. no part of my payment goes towards the balance i am paying 25.99  % on, the whole payment is being applied to the 23.99 % balance 4. I contacted XXXX XXXX through colony brands and was told he could not help me because he could not access my account. 
5. I am being doubled billed ie when viewing my statement they lust last months balance this months balance and. new charge balance based on a daily balance for a 30 day billing period THIS IS DOUBLE BILLING,,, I have ALL STATEMENTS SINCE XXXX BUT CAN OLY INCLUDE 3 months of statements due to file size limit therefore I will provide 15 months of statements if requested 6. please note the 2 interest rates and the 25.99  % balance HAS NOT RECEIVED ANY PART OF MY MONTHLY PAYMENT AND HAS CONTINUED TO BE CHARGED 25.99 % NO PAY DOWN this a clear cut improper allocation of payment 7. I had to close my XXXX XXXX account because of FRAUD and they are reporting my account closed ultimately lowering my credit score however NOT ONCE DID XXXX XXXX REPORT MY PERFECT CREDIT HISTORY XXXX XXXX CUSTOMER SERVICE TOLD ME THEY FO NOT REPORT ON TIME PAYMENTS, I have never missed a payment but am being punished for closing my account because colony brands could not protect my account against fraud and even though i closed my ACCOUNT I STILL MAKE MY MONTHLY PAYMENTS ONTIME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX bank my XXXX XXXX reported me late and also have the incorrect balance. I always paid on time and never late. I need assistance with getting the corrected. Thank u

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Synchrony bank my care credit reported me late and also have the incorrect balance. I always paid on time and never late. I need assistance with getting the corrected. Thank u

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 2021-09-09
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I awoke XX/XX/2021 around XXXX XXXX. to find my coinbase.com account emptied along with {$700.00} from my XXXX XXXX  account used to buy more cardano coins before they emptied my coinbase account. The scammer took me for {$4300.00}. I have reached out to coinbase.com for help getting my money back. I have emailed coinbase.com multiple times and have got no where with them. The only thing they did was reset my coinbase password and told me I was out of luck. The case number they gave was # XXXX. I just want to hopefully get my money back and I will never do business with them again. Please help and God bless

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: PA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$11000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted my request for Public Service Loan Forgiveness after completing 120 payments while working for a non for profit institution in XX/XX/XXXX. After waiting 3 months I received a denial letter in XX/XX/XXXX with no rationale as to why I was denied. I contacted Fed Loan Servicing who informed me this letter had been a mistake and that the loan forgiveness was still being processed. Now 6 months later I have not received an update and the company says they are still processing. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My contact info ( email and phone number ) was fraudulently changed on the Cash App provided through Square Inc on XX/XX/19, I reported it XX/XX/19 via XXXX because I had no ability to contact support without access to my account. I immediately responded on XX/XX/19 to a request for more info, but heard nothing in response. I followed up XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX they responded to a follow up XXXX post, but did not address the issue saying that they " did not determine the transaction was fraudulent. '' Although, I never disputed a transaction since I have not been able to access my account and see what activity occurred. I have had no response and no resolution. I do not know if fraudulent activity had occurred on my account because I still don't have access and can't get resolution on my account. It's possible I may have received funds and the person with access may have stolen money, but the company has neglected to return control of my account to me or provide any information resolving my issue. 

-- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for Citibank 's " {$500.00} Bonus when you open a new checking and savings account in the Citi Account Package '' promotion via the manager in Citi branch ( XXXX XXXX, XXXX XXXX, NY XXXX ). The deposit of {$15000.00} within 30 days was met on XX/XX/XXXX. The direct deposit in two consecutive months was met as well. Maintain a minimum balance of {$15000.00} in my eligible linked checking and savings account for 60 days has been met on XX/XX/XXXX. The {$500.00} bonus should have posted 90 days after that, which is XX/XX/XXXX. It's currently XX/XX/XXXX and no bonus has been posted to my account. 

I have contacted citi for more than 5 times but they couldn't make sure I can get the bonus before 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 monetary relief
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to file a online dispute several times with Equifax. I have called them and then they said they could not verify my identity. I am so frustrated at this point and cant take it anymore. XXXX had a simple dispute process thru XXXX XXXX and it was taken care of right away. I attempted the same with Equifax and had a horrendous experience!!!!! Equifax is terrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Medical Business Bureau
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a XXXX XXXX whose policy coveres 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to medicade at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill Medicade properly, to both the Hospital and Collection agency. They keep reporting the same Negitive information on my credit report after taking the billing payment information. 

Being that I am a XXXX XXXX with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with Medicaid and the accounts to show payment in full according to the following federal regulations : When you provide services to a Medicaid member from another state, you must accept that states Medicaid allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state Medicaid members for any amounts in excess of the Medicaid-allowed amount for Medicaid-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The original dealer I leased the vehicle from has permanetnly closed. I have called several of the dealers as indicated on the Chryser Capital website and have been informed they don't accept returns of vehicles not leased through them. ( This is different from what Chryser Capital has indicated. The dealerships transfer me around the and I leave messages but don't hear back. I called Chryselr Capital customer service and they gave me another dealership even further away. I was transfered 3 times there and I am waiting for a callback. I would like them to arrange for a convenient return at the end of the lease. I believe it is unfair and deceptive to list dealerships on the website that are unwilling to accept all returns. 

I am sure this is to pressure people into purchasing or leasing a new vehicle. ( In which case the dealer would accept the return ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase is a huge scam. I have provided all my documents they request to withdraw my funds and still I am not able to do so. Their system to verify the identity is a simple questionaree that never works. I have been tried to withdraw my money for 5 days now and still not able to. I have contacted their support three times as of today ( XX/XX/2018 ) and still just receive automated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Did n't know that they would do a hard credit check

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 2018-01-11
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I got behind on my XXXX Credit Cards. I have 4 of them. They have called me 14 times since this morning starting at XXXX. I have told them that I will be paying them off in full soon. They wanted to know how. That is none of their business as long as they get the money. In the meantime, I would like for them to stop overly excessively calling and harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: CITIBANK, N.A.
State: PA
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:
I have an inquiry on my credit file that I did NOT authorize. I tried disputing the inquiry with XXXX multiple times and they refuse to conduct the investigation against my rights. I did not give any employed by this company to many an inquiry and view my credit report. This is a violation of FCRA 1681b ( c ) and is a serious breach of my privacy rights! 


CITI CARDS CBNA

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