BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using PayPal for years, making purchases on XXXX and others. I made my first sale on XXXX and the funds were sent to PayPal on XXXX from a sale. I now have a balance sitting in my account for {$96.00}. I can't seem to set up a way to have it transferred out of the PayPal account to my credit card that is linked to the account, nothing can be set up on their website because it just doesn't work right. I gave up on waiting for hours on the phone and trying everything that customer service told me to do, so I clicked on the radio button that said just send me a check. That doesn't work either. First customer service told me my address wasn't verified, then they told me I had to link a bank or checking account in order for them to mail me a check. I don't want to link my banking information with them, I just want MY money minus the fee that they charge to mail out the check. Aren't they wrong keeping my money? Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The XXXX washing machine that we purchased on XXXX has a severe washer cycle dysfunction when the '' heavy cycle is needed. A repairman came out two times for that same problem. The agitator makes this large unbearable noise while it is suppose to be washing, then the rinse cycle goes on for another hour, using excessive amount of water, then it takes all day to drain, then it cycles again. My wife and i went out to the store in person XXXX XXXX NC, and we were told, that the repairmen must come out to see and that it is stated in our Warranty, it is nowhere in the warranty it states any 3 time repair rule. On XX/XX/XXXX, a rude customer service agent named " XXXX '', Gave us an ultimatum, " the repairman has the last decision. We asked to talk to the manager, and she said FINE! - she is not here today. but here is her name and number " XXXX XXXX XXXX it is a general store number. That is how deceitful they are.

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 2021-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2020-09-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I asked for and received a Covid-19 deferment. I was under the understanding that the deference wouldn't effect my credit report. Which the loan company has reported and effected my credit rating. I also asked for a refinance, an IRRRL, which was denied since I was in a deference status according to PennyMac Home Loan Servicing representative ...

I recall a letter being sent out by the CFPB to certain lenders to comply with the CARES Act. PennyMac was on the list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
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 was told by refinance company that 3 credit burears reported that iam XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To cfpb, Help me, please. I am truly asking for your help. 
I am asking cfpb to protect my credit report and credit score from the Trans Union company. 
I made few complaints to cfpb about the company because of the company 's damage to my credit score and report. I think Trans Union is retaliating and lowering my credit score furthermore for no reason. 

In just two days and without any activities in my accounts, my score went down from XXXX to XXXX for no reason. 

My score was XXXX before complaining to cfpb about Trans Union and before the damage to my credit score by Trans Union. The main complaint was about a false claim made by Trans Union that I have delinquent and derogatory accounts, and I did not. When Trans Union found that I have no delinquent and derogatory accounts, they lower my score any way for the attached reasons. 

In fact, there is a complaint that I recently submitted to cfpb. 

in the complaint, I submitted all the documents that will make Trans Union claims for lowering my score false. 
I am asking cfpb to protect my credit report and credit score from the Trans Union company.

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 2019-03-31
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The supervisor Mrs. XXXX from the PNC bank, yesterday, XX/XX/2019, re-opened a claim on one of the transactions of my debit card, but hadn't informed me that she also closed my debit card. 
Today, I was trying to get funds from my debit cards from 2 ATM 's, one at one of the PNC branches, and could not see neither my balance nor withdraw the money. 
Having not informed me about the fact that the supervisor had closed the card, Mrs. XXXX had violated 1. the Act about the Free Access to Information ; 2. my Human Rights ; 3. my customer 's rights. 
She inhumanly put me at the situation, that I can not freely use my own funds, having spoiled my weekend and having stressed me, which is not advised by my doctor.he I spoke with another supervisor Miss XXXX, who said that there was no way for me to get the necessary funds today. She advised to go to one of the branches tomorrow, which is impossible, as they are opened before the time I can reach them : I am working during their business hours. 
Their service is bad, and I will inform about it everyone I can. 
XXXX XXXX P.S. Having made a mistake, the Bank SHOULD have a way to reopen the card as quickly, as they had closed it not violating Human Rights of a customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: ALLY FINANCIAL INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are two accounts with this bank that are included in a chapter XXXX bankruptcy that has been XXXX. The bankruptcy was under my wife 's name and I was awarded a community discharge as a result. The bank did not show up to the meeting of creditors nor did they respond to the notice with any issues they had. Now that this has been XXXX they are refusing to remove this from my credit report or update the status in any way. They told me on the phone that because of the bankruptcy they would not be able to try and collect the amount due but I was still liable for the account. How can this be? They are not able to take payment for the account but it stays on my credit report forever and there is no way for me to move past it? Per what I was told by my lawyer and also the trustee overseeing the bankruptcy this account should be removed from my credit as of XX/XX/2018. I am submitting this complaint as a last attempt to resolve this matter, my next move will be to re hire my lawyer and move towards more aggressive legal actions. I am asking that both accounts be removed from my credit report immediately.

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 2018-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I won a sneaker contests on XXXX for the XXXX XXXX XXXX  for retail. They were very responsive to my questions and messages untill I paid ( through XXXX ) after that they went silent. Literally in minutes I started to realize they didn't give a reply of the the confirmation of my purchase with out and shipping info or even responding to my messages, even after giving them fair warning that I would be taking steps to get my money back they still did not respond. Its people like this that ruin sneaker culture for everyone else. I called my bank to try cancel the transaction while processing and could not help at stop the payment with fraud protection

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 2020-09-14
Company: Experian Information Solutions Inc.
State: GA
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-07-13
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2017, XX/XX/2017 an XX/XX/2017 hard inquiries were made on my credit report through XXXX credit ( no store credit card was approved ) an never removed from my report .by Syncb/walmart XXXX XXXX FL XXXX ( 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
Consumer complaint received 2021-03-25
Company: Continental Finance Company, LLC
State: NY
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:
I contact reflex credit card and let them know that I was no longer working and I applied for unemployment. 
Unemployment still never paid me because DMV put my numbers in wrong and I have an appointment on the XXXX day of XXXX to correct my driver 's license. 
I notified reflex credit card and told them I'm still waiting for unemployment and I still didn't receive it then they made an agreement with me to pay {$310.00} on the XXXX day of XXXX for a {$500.00} credit limit card I paid the {$310.00}, they promised to restore my account and to date they still have not restored my online account privilege. 
I want them to stop lying to the customer to get what they want and then they didn't but they didn't answer the phone when XXXX from customer service called them more than 5 times 2 ask why didn't they reinstate My account.

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 2021-04-02
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Back in XXXX i contacted the nelnet department regarding settling with lowering my payments and i was told to fill out a defer form, which i tried to submit.The school no longer exist and there were allot of fraud going on with the XXXX XXXX XXXX which i attended back in XXXX .I offered everything i possible can to get some help and i can not seem to get any help.The amount that was stated was XXXX dollars which is not accurate. I feel like i was scammed out of an inaccurate amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have sent more then enough information on XX/XX/2020 to have these accounts listed on in my police report and ftc report blocked or deleted. i have made all the attempts Per my own request to have these accounts blocked by Law or the FCRA. This is not a company and i have been getting no where because of automated emails i get from XXXX  XXXX  and TransUnion. Please see attached supporting documents

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize

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 2019-01-25
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:
XXXX XXXX listed multiple 30 day late payments on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, Equifax, and XXXX. Please remove the 30 day late payments from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX listed multiple 30 day late payments on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, XXXX, and Transunion. Please remove the 30 day late payments from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAY LATE - XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-12-08
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX/XXXX/XXXX I opened my Coinbase account and bought {$1000.00} of XXXX and {$1000.00} of Ethereum with money transferred from my XXXX XXXX XXXX account online. 

The XXXX was n't available to trade for well over 2 weeks, and of course with several attempts to inquire ... no one was available to answer me. 

XXXX XXXX, XXXX I tried to sell my bitcoin at a posted price of {$19000.00} but their system was down. There was nothing I could do but watch my money disappear as the value steadily dropped. I tried several times to log in but the system was down all day. Now it says my account is locked. I ca n't get into my account and access my money and I have tried to call them hundreds of times. I found phone numbers off of the local phone listings, their own customer service number, their main switchboard, as well as dialing random extensions within the company. I sent emails to their support email, contacted them through their customer support twitter, I sent messages to many people at Coinbase through their linked in accounts. Nobody, and I mean NOBODY is responding to address the issue. And I know there are XXXX 's in the same boat. 

They are an exchange built to process transactions but their system is not able to handle it and they are unwilling to address the issues while locking people out of their money and not accountable. They should be fined if not banned. Lawyers, regulators, and politicians should be all over them. They are VERY DANGEROUS and a SIGNIFICANT LIABILITY! If XXXX XXXX randomly didnt let people access their accounts for weeks and didnt answer ANY customers.there would be a national uproar. This is on that scale!! How many people are involved and how much money is involved in bitcoin and through Coinbase??? This is massive and must be addressed immediately! 

And out of all the calls made and people contacted on various platforms, NO ONE answered or returned my calls/messages. 

Please : 1 ) Read comments on @ Coinbase and @ Coinbasesupport on XXXX XXXX ) Read comments on Coinbase and Coinbase Support on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX/XXXX  XXXX is listed on my Experian credit reports and these accounts are inaccurate and were paid.

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 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is listed as a collection on my credit report. I do not own this account.

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 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
During the months of XXXX, XXXX, and XXXX oXXXX XXXX I requested XXXX to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by XXXX. 

XXXX continues to furnish inaccurate information to XXXX XXXX  and Transunion. 

In XX/XX/2020, I called XXXX and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all XXXX does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

XXXX claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with XXXX or the bureaus. 

At this point someone is lying and furnishing inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.

Company response to consumer: Closed with explanation