BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-09
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:
I am trying to get Paypal to mail me my money in the form of a check ( which they usually charge an extortionate {$1.00} per check btw ) but they can't/wo n't. They demand I link a bank account to them, or sign up for their XXXX Paypal Cash.

Frankly, with my prior experience I don't trust them not to take a huge chunk out of my bank account with minimal notice again. But they won't release the money otherwise. Please help me get my money back! 

Other people with the same problem : https : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit 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 made purchases on my XXXX XXXX Credit card in XXXX of 2018. I recieved my bill in the mail and went to pay it online but I was unable to log in and it kept telling me that the action can not be performed. I called them and they were closed since I work the same hours that they are open. Because of all of that I was two days late on my payment. I made my payment over the phone. I then received my bill for XXXX and XXXX in late XXXX and it said that I had two charges. I called and they said they were the two late payments for not paying my bill on time. I called and spoke to a representative but said he could only remove one since I was two days late due to not being able to pay it online. I was not aware that I had a late charge for XXXX And they applied another late charge in XXXX for non-payment even though I had paid my bill for things that I had purchased in full. I also have had this credit card for years and have always paid my bills on time. You would think that since I was a consistent consumer, tried to pay it online, and paid what I actually owed in full there could be a better solution that just charging me two late payments. I also spoke with two people at XXXX to see what they could do and had to wait on the phone for an hour to speak to the manager. When I requested the guy above him he said it could take up to 4 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Remitly, Inc.
State: PA
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, I used Remitly, to transfer {$500.00}, from my checking account in USA, to MY saving account in XXXX XXXX, in XXXX XXXX, I contacted them several times, trying to get an update about what was happening, and all the times the answer was " corona virus '' please wait another 48 hours. Because I could not wait any longer, I sent the same amount, with a different company, and only took half hour to complete the transaction. so corona virus is not a valid excuse. 
then I called another 4 times asking the return of the money. the interesting part is that they withdraw the money from my account in less than 3 minute before even I finish the paperwork, and had passe more than 21 days without getting any answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: AmerAssist A/R Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX. After the account was cancelled, the company did not take their garbage cans. I called one time and spoke to a rep that informed me that I had a balance of ~ {$10.00}. I paid the amount and never heard from XXXX XXXX again. Months later I started receiving letters from collection agencies. When I received the first letter that stated I owed {$110.00}, I called XXXX XXXX. They said I owed for keeping their cans. I scheduled their can pick up for XX/XX/XXXX. I have a letter sent to the XXXX from XXXX XXXX stating that they removed the {$110.00} from my account on XX/XX/XXXX and notified the collection agency. Problem is that in XX/XX/XXXX, I am still receiving regular letters from AmerAssist and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have sent notification to both that I have zero owed to XXXX XXXX, but the letters keep coming. It bothers me that XXXX XXXX did not contact me to retrieve their cans before sending this to collections and starting this never ending letter sending campaign. I'm sensing that AmerAssist is a sister company to XXXX XXXX and that this feels fraudulent in practice instead of negligent because I have communicated in writing that I don't owe XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
CFPB I am filing a formal complaint on Citibank I had Two Citibank credit card after trying to clear up my credit report I noticed some in accuracies and violations of the fair credit reporting act as well as the fair debt practice act On Citibanks behalf and I would ask Citibank to please delete these two accounts from all four of a major credit reporting agencies Citibank no longer owns these accounts these accounts are handled by XXXX which is a third-party debt collection agency after reviewing all four of my credit reporting reports I noticed that Citibank is still reporting a balance on both of these Accounts and that is a violation of a federal law known as the fair credit reporting act Citibank are not allowed to report the balance if a third-party debt collector is overseeing these accounts I asked Citibank to delete these accounts immediately as they have affected and hurt my ability obtain anything in my name and most importantly to seek employment Per the FCRA the The consumer credit report must and I repeat must report 100 % accurate in this case Citibank again is violating the FCRA and I asked once again to delete these accounts as you have hurt and affected my ability also on all four of the credit reporting agencies I have filed dispute with the credit bureau and they keep saying that Citibank has verified this information is reporting accurately and refused to remove that erroneous accounts. These accounts are not reporting correctly and I demand again that Citibank remove these Negative informationAnd also to point out there is one more FCRA as well as the fair debt practice act Another violation on Citibanks behalf as well I have disputed this account and they have fail to Mark the credit report with the required notice of dispute there for these accounts Needs to be removed from all four credit reports see FCRA Section 623 And section 806B of the fair debt practice and that please DELETE ASAP Account XXXX Account XXXX Please send me written notification in US mail that these accounts has been deleted Thank you for your full cooperation

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 2017-12-05
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
on XXXX/XXXX/XXXX I received 2 letters from XXXX XXXX XXXX, XXXX informing me that they were attempting to collect debt from two accounts currently held by the XXXX XXXX XXXX XXXX XXXX. 

These two loans were issues in XXXX and I have not made payments on either these accounts for quite some time ( 5+ years ), when they were previously held by XXXX XXXX XXXX . 

I found this article : https : //www.consumerfinance.govXXXX  My understanding is that attempting to collect this debt either by the XXXX XXXX XXXX XXXX XXXX or a 3rd party is currently illegal. 

They are attempting to collect the following two accounts XXXX - {$10000.00} XXXX - {$3600.00} I have not taken any action at this time but I do plan on contacting a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score XXXX points and caused me to get denied for a personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
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:
As I have begged in the past this address XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Is not mine nor has it ever been An it's associated with. Credit acceptance account Please remove delete. Or what ever u got ta this 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 2019-02-08
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECEIVABLES MANAGEMENT C provided an itemized statement, but did not provide ownership of this debt. By law they don't own the debt so how can they collect on this? per FDCPA section 603, the creditor  must provide ownership of this debt. I have and never had at any time any contract with RECEIVABLES MANAGEMENT C. They illegally have my account information and social security number, which is fraud because I have and never had any legally binding contract or agreement with them. They DO NOT have proof of ownership and failed to provide proof. 

Please remove this entry from my credit file or I will escalate this fraud account to the FTC.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: AMERICAN EXPRESS COMPANY
State: IL
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 unauthorized inquiry from AMEX twice from two datesXX/XX/XXXX/XX/XX/XXXX. I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company from a letter. This is my formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, Wells Fargo has been down for like 2 days now leaving customers including myself unable to access our accounts. I don't understand how the country 's 4th largest bank can have a nationwide shutdown due to one facility being down. Clearly Wells Fargo has no proper plans in place to protect their customers from a catastrophic meltdown and no contingency plans. This is outrageous and requires CFPB oversight and fines.

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 2019-02-08
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CRA is in direct violation of FDCPA, FCRA, DODD FRANK ACT and METRO 2 COMPLIANCE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account on XXXX XXXX to bank of America in XXXX Arizona. On XXXX I deposited my first payroll check in the amount of XXXX via their mobile app. When the app said the check will be held until XXXX I thought it was as because they did n't have three physical check. I did n't know the procedures of the mobile app this was the first time I deposited any monies via an app. So I immediately took the physical check to the bank and put the money into the bank. When I saw that the check showed as a duplicate I called bank of America to inform them of the issue. I was told that there would n't be a problem. The system would show the error and correct it. I was told to wait until the XXXX of XXXX in order to have access to my funds. I expressed my dissatisfaction with the extreme wait times. On XXXX XXXX I received two emails from Bank of America stating my account was below {$25.00} then XXXX dollars shows up in my account that I did n't put there. The bank could not explain it me. It was not a deposit from an outside source at all. The very next day XXXX checked my account at XXXX via the mobile site and it was said that I was now over drawn by XXXX mind you I had not used my card since XXXX. By XXXX XXXX my account stated the drawn amount was {$23.00} dollars and some change. All the while my funds are still on hold. I then proceeded to do in to the local bank of America and was told it was just how business was conducted and I would have to wait the situation out. I called my employer to inquire is the check had been payed out. My employer shows the check was processed XXXX funds had already been sent. I made yet another call to bank of America who still refused to release my funds. And still could not explain how I was overdrawn by {$23.00}. When I told them I had email to prove that my balance was below XXXX in Thursday I was told that does not matter it would n't do me any good. My money is being stolen through bank of America I have made several phone calls and have made several appearance in the local branches with no help at all. I still have my emails I will be planning on going public with a lawsuit for misappropriation of funds due to the carelessness if this financial institution.

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 2020-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Improper use on credit report and its dropping my credit I just want it removed it wasnt me at all. Whoever these banks and finance companies are improperly using my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: AXOS FINANCIAL, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
CONSUMER NOTICE OF RECISSION OF AGGREEMENT IN ACCORDANCE WITH TITLE 15 USC 1635 ( A ) ( B ) Please receive this letter as my formal RESCISSION ( pursuant to 15 US code 1635 ( a ) ( b ) of contract stock number 36804506 for 2019 Charger VIN number XXXX that was finance at XXXX XXXX XXXX on XX/XX/XXXX. 

I hereby release BUYER and CO BUYER of ALL obligations to perform on this contract and request that all monies, property and SECURITY INTEREST received be returned to me. 
LISTED BELOW ARE CONSUMER LAWS YOU HAVE VIOLATED In accordance with 15 US Code 1635 ( a ) you must provide the consumer with two forms of cancellation explaining cancellation and my rights to cancel at the inception of the agreement, which you have failed to provide.

There is a misrepresentation as to the material facts concerning the identity of the persons involved and the credit extended 15 USC 1692 812 ( a ) You failed to inform me of the finance charges and my rights to the payment of total amount financed to secure this account. 15 USC 1605 ( a ) You have failed to give me full discloser which has caused me ( XXXX XXXX XXXX XXXX XXXX ) to become surety for a United State XXXX  suffering damages as a consumer and natural person due to your neglect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt with American Express. I had made a payment of XXXX which they have refused to credit to my account. I provided a copy of my bank statement showing the payment and I provided them with the payment transaction number provided by the bank. I also have submitted disputes with the credit reporting agencies because the amount they are trying to collect from me is incorrect. They have refused to credit the payment I made. Now I have received a letter from XXXX XXXX XXXX which claims that American Express referred me account to them. They are trying to collect more money than I owe and are threatening me with legal action and judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Where to begin? This mortgage company is a nightmare from start to finish with NO interdepartmental communication. 
We went through the loss mitigation process with them and it was an experience I wouldn't wish on anyone else. We had to submit and re-submit documents several times because the Loss Mitigation Dept would receive something but not make it known to the Lending Department. The entire process took MONTHS and we had to call SEVERAL times for updates and to ensure that everything was still being processed as expected and we almost always got conflicting information. We signed our documents in XXXX, did not receive the new contracts until XXXX and the process wasn't actually finalized until XXXX! 
In the meantime, two major hurricanes effected our area. Our insurance company was a breeze and had an inspector out to our location within a week and we had a check for the repairs before the month ended. 
Cut to the next nightmare with Freedom Mortgage. We were told to sign and submit our insurance check so that they could issue the funds as the repairs were made. Again, lack of communication as we were not told anything additional. WE had to call SEVERAL representatives until finally we were told the remaining steps of submitting the repair affidavit, etc. We were told the use the website insuranceclaimcheck.com to manage our process and to request inspections to continue receiving repair funds. Without any regard for letting customers know, the website has suddenly stopped servicing the claims. Freedom Mortgage did not tell us a thing. I've called multiple times to see why our inspection has not been completed and each time it's conflicting information. One representative says we have an inspection for tomorrow but to call this XXXX number, another gives us a XXXX number to schedule an inspection, another says they need a W-9 and repair affidavit. It is quite possibly the most frustrating situation I've had the displeasure of dealing with. The hurricane hit almost a year ago and we are STILL trying to sort this all out.

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 2018-03-28
Company: EQUIFAX, INC.
State: NY
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:
Iam aware that section 6058 of the fair credit reporting act requires that the credit bureaus block the fraudulent information on my credit report resulting in identity theft. I have submitted a copy of my police report and the FTC affidavit. i would like the items posted in my report blocked in a timely manner since is hindering my ability to get a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: GA
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:
There are multiple accounts that were discharged in my bankruptcy on XX/XX/2020 that are still reporting as late and charged off that need to be immediately and completely deleted from my credit file per applicable bankruptcy laws.

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