BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-07
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
PayPal has failed to comply with the Fair Credit Reporting Act by taking adverse action against me and refusing to provide the name, address, and phone number of the agency that provided them with the consumer report they used so that I may obtain a free copy in order to dispute the inaccurate information contained there in. 

1 ) PayPal uses a verification process that includes matching your phone number to a consumer report. 
2 ) If PayPal does not match your phone number, they take adverse action against you by restricting how much money you can withdraw, refusing to allow you to connect your bank account for withdrawals, and charging you to receive a check. 
3 ) This action applies only to consumers who do not pass their verification process. 
4 ) I submitted my own phone number registered in my name. 
5 ) When PayPal ran their check, they said it was not mine. 
6 XXXX PayPal failed to provide the name of the reporting agency they used even after I requested that they do so. 
7 ) When I specifically referenced the FCRA, PayPal said they refused to owner requests for information by individuals and required a subpoena from an attorney or law enforcement XXXX. 
8 XXXX These actions are preventing me from learning what consumer reporting agency has inaccurate information about me so that I can correct it. 
9 ) It has also cost me money to receive checks rather than direct deposits that I would not have paid but for PayPal 's taking adverse action based on information in my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
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:
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I found a weird transction and the amount was {$4.00}. I tried to get in contact with XXXX and one of their employees blocked the line and asked me to download an app and the hacker ( one of the XXXX staff ) has gained control of my phone and is monitoring it, accessing my personal information and making unauthorized transactions. The transactions amounted to {$2000.00} and {$8800.00} respectively and occurred in CA, but I am based in New York as an international student attending courses. I NEVER WENT TO CA and do not know anyone living in CA and have only transferred money to XXXX individuals with a small amount of money before. It is crucial to note that I did not authorize any money transfers, especially for the amount {$8800.00}. I attempted to contact the bank regarding the unauthorized transaction of {$8800.00}, but they informed me that I either carried out or authorized the transfer, despite my certainty that I did not. As soon as I noticed the pending transaction on the app on XX/XX/XXXX, I requested that the bank block it immediately. Unfortunately, Bank of America did not comply, resulting in the transaction being completed. This has left me feeling frustrated and disappointed. Can you assist me in resolving this matter? BTW, the hacker 's phone number is 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 2019-03-12
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Suntrust is repeatedly dropping incoming XXXX transfers in a concerted effort to charge overdraft fees. This morning I woke up to an account that was some {$300.00} in the red because Suntrust deleted the incoming transfer. I am attaching images of the payment sent via XXXX and the evidence that Suntrust has not credited it to my account- in other words they have stolen my money, again.

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 2018-11-20
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I went to the emergency department of XXXX XXXX XXXX in XXXX, AL due to inexplicable bleeding and pelvic pain. I didn't see a bill from the hospital in months and later to get out an abusive relationship causing me to move back to Texas in XX/XX/XXXX. When I moved back home to XXXX on XX/XX/XXXX, I changed my address so my mail could be forwarded to me. I never received any documentation from the hospital regarding my bill at my current address. The only thing I received was collection calls regarding the physician bill ( XXXX XXXX XXXX XXXX and I paid a settlement of {$100.00} on XX/XX/XXXX at XXXX XXXX  and given the confirmation number XXXX ). I figured everything was fine until I received another phone call on XX/XX/XXXX from Franklin Collection Services Inc. regarding my account. The representative I talked to couldn't explain what the bill of {$150.00} was regarding so I contacted the company on XX/XX/XXXX regarding verification of this bill and initially tried to dispute it due to never being informed of this bill. On XX/XX/XXXX the company enclosed a copy of the original creditors billing statement inside it entailed the price adjusted for my treatments and that my bill went into collections on XX/XX/XXXX but no one has documentation that the bills were sent to me. Since the debt was verified as mine on XX/XX/XXXX, I submitted {$5.00} to start making payments, however on XX/XX/XXXX, I notice they took more from my account than what I submitted on the slip they provided thus causing my account to go into the negative. On XX/XX/XXXX the bank returned the amount that was taken out back to my checking account, but I was charged a returned item fee of {$36.00} making my account in the negative for {$20.00}. On XX/XX/XXXX I received a notice of " dishonored instrument '' saying according to Mississippi Law they are putting an additional charge of {$40.00} to my debt. I am hesitant to pay them back since I couldn't even trust this company with {$5.00} and it irks me that the company never contacted me within five days with a notice of my debt that includes the following information : the amount of the debt, the name of the original creditor to whom the debt is owed and a statement describing your right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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 have a series of charges for {$16.00} I have never agreed to this charges with the company that made these charges. I filed a fraud dispute with Bank of America and they said they were going to investigate it, and concluded the investigation claiming that I have received a double refund. From the company involved and from Bank of America and this was the reason Bank of America were putting the charges back on my card. 

I have never received a return from the company that made these charges on my credit card.

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 2023-07-26
Company: EQUIFAX, INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was told I have a collection with XXXX XXXX XXXX on XX/XX/2018 from XXXX, XXXX and Equifax. After I explained that I have never lived in or correlated with XXXX XXXX XXXX ( I used to live in XXXX XXXX XXXX, which is an apartment nearby and sounds similar ), XXXX and XXXX agreed with my dispute. Equifax remains disagree twice without any further information. Now this collection is influencing my application to new housing and I want to get this fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: F&M Capital LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received a from a blocked number on XX/XX/2019 at XXXX XXXX caller left a message on my voicemail. Transcription of the message : Good morning this message is intended to reach out to XXXX XXXX XXXX my name is XXXX contact you on behalf of FM capital reaching out to you today in regards to a pending complaint in your name and Social Security number before any decisions or recommendations are rendered we do proceed forward we're looking to get in touch with either you directly or your legal counsel a statement can be provided by contacting XXXX we will be notifying the appropriate parties as to whether not he's contacted and cooperating on a voluntary basis this call has been documented and recorded thank you and have a good day My mother XXXX XXXX received a call immediately after this message was left on my voicemail. The person identified herself as XXXX with FM Capital My mother asked what this was pertaining to and XXXX responded " Bad Checks across state lines '' This is a clear violation of the FDCPA Section XXXX. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 )  identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; and 805 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the  express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This complaint is against XXXX XXXX. I have multiple accounts with them and they have lowered all of my credit limits. 
I havent had any 30 Day lates with them and they have done this.

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 2019-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is constantly harassing me about debt with repeated phone calls after I've stated repeatedly to be removed from their calling list. I am being debt harassed and is causing distress on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: JPMORGAN CHASE & CO.
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: Privacy issues

Complaint:
I 'm going through a difficult divorce and called in to secure the card information and place everything in my name and remove my soon to be ex from the account. The company sent an email to his address after I removed it advising him I was making changes to my account. I know this because he forwarded me the email.     He was also able to gain online access to view what the card was being used for and print statements which he presented me with copies of yesterday.     This is clearly a violation of my privacy and a failure on the part of the company to secure my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: SecurityNational Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Security National Mortgage Company personnel were not honest throughout my process. I am in the process of seeking another lender because they decided to disqualify my loan due to paperwork from my student loan not stating what they desired. 

In the process, I purchased an appraisal and requested that I receive a copy of it. They keep stating it is in review after the appraiser completed it over a week ago. There should not be a review if the loan is already disqualified. 

I would love to completely cut ties by receiving the appraisal I specifically paid for and move on with my life. I also feel that others should be warned of this company and its personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/XXXX I noticed that {$2500.00} was missing from my account. There was a withdrawal on XX/XX/XXXX of {$2500.00} but there was no additional information. I called First Tennessee customer service but could not get a hold of anyone as they were closed. 

On Monday XX/XX/XXXX I called and spoke with XXXX. She informed me that someone had withdrew {$2500.00} from my account at the XXXX XXXX Branch. I told her that was unauthorized and that I have never even been to the XXXX XXXX location. She said they will begin an investigation and that I will have my money within 2 business days. 

On Tuesday XX/XX/XXXX I received a call from XXXX asking that I go to my local branch to fill out paperwork regarding the investigation. 

On Wednesday XX/XX/XXXX I went to my local branch to fill out the paperwork. I filled out an affidavit stating that I did not withdraw this money. The banker stated that the money was withdrawn from an unknown location, not the XXXX XXXX branch. She could not confirm which location the money was taken from, but confirmed it was NOT the XXXX XXXX branch. I asked for more information and she said it will take up to 30 days. 

I am now short on the money and I need the bank to refund it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EdFinancial Services
State: TX
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 requested a student loan refund in XXXX of XXXX. After some initial confusion I was told that I could not cancel the request and that the department of treasury would mail me checks. 
I did in fact get those checks in the mail, except {$4200.00}. After months of calls to EdFinancial I learn that they never sent the refund request for {$4200.00} ( which is the total number of payments I made to EdFinancial in DXX/XX/XXXX ). 

/*Payments Made to EdFinancial in XXXX XXXX and they have yet to submit to the department of treasury so XXXX can get a refund : {$470.00}, {$680.00}, {$1300.00}, {$480.00}, $ XXXX So according to EdFinancial I owe {$4200.00} but they never requested the refund to the government on my behalf. 
As of XX/XX/XXXX, the EdFinancial finance department still hasn't sent the request to the government, and even if they did, I would not get the checks mailed to me before I would have to start paying interest on them. 

So I owe {$4200.00} that was never sent to me, because my student loan servicer never sent in the request to have that money refunded. But that servicer says I do in fact owe that money and they will be charging me interest starting XX/XX/XXXX. 

I've requested that they just don't send the request to the department of treasury, since by the time they do, it will have been almost a year after my initial request and i will have to pay interest. I have asked that they just cancel that part of the request and give me a credit for the {$4200.00}. But they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received calls from many different agencies regarding a debt to JCPenny, and a previous complaint was filed regarding this back in XXXX ( XXXX-XXXX, XXXX-XXXX ). Family members and I began receiving calls again last week, including one on  XX/XX/XXXX from XXXX that stated there were two pending charges. When I called back, I was told this was from the JCPenny account that was already paid, and when I told them it had already been paid, and I have a letter stating such, they said that if I was refusing to pay them, it would go to court. I told them I desired to take this to court, so we could get it dismissed for good.

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 2023-07-26
Company: EQUIFAX, INC.
State: VT
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 had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been working since last summer to submit PSLF paperwork and get an updated count of current qualifying payments. I have had to resubmit paperwork several times, and have made several phone calls to the servicer ( multiple times throughout the summer   XXXX  , then again in  XXXX ,  XXXX ,  XXXX , and  XXXX  of this year. ) Each time I am provided with different information. Either my paperwork is being reviewed, or they are going to place it under review. I am assured that I will receive some kind of documentation ( either online in my account or via mail ) within a certain time perio d ( som etimes 60 days, sometimes 90 days ) and to please wait. I still do not have the information I have been asking for, do not know how many qualifying payments are being counted towards PSLF and have not been given any information on what I can do to move forward. Currently, my account reflects o nly 17 qual ifying PSLF payments, even though this number should be closer  to 50. I can  not get any explanation for what is being counted, what is not being counted, and why. During my last phone call in  XXXX  I was total that a " payment tracking '' document would be sent to me via mail and that I should receive it within 60 days. Thus far, I have not received anything.

Company response to consumer: Closed with explanation