BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Purchased items on XXXX on XX/XX/XXXX from scam seller XXXX who and goes by 2 different names, XXXX XXXX and XXXX XXXX of XXXX, MI ( possibly 1 other state as well ). Items were mini beauty samples ( about XXXX in total ). They were all advertised as BRAND NEW. Sale was agreed to by both parties on XXXX ( have fully documented sale post and 1-1 conversation with seller ) and transacted through Paypal goods and services. Seller sent package but many items were missing, and many items were used/empty. Contacted seller for many weeks to give her a fair chance to respond, but she never responded - she ghosted me. In the meantime, another XXXX XXXX/XXXX user contacted me telling me she saw the purchase I made and asked if I received my items. I told her I did, but many were missing and empty. She told me she also agreed to purchase items from the seller and sent the seller {$100.00} through paypal, but never received anything. We stayed in touch as we both tried to contact the seller multiple times over the next couple of weeks, but the seller had disappeared. We both opened cases with paypal. Hers was fixed immediately as the seller  never sent anything and had no tracking number for that buyer. My case was taking longer since the seller did ship items though they were not at all as described or promised. XXXX strung me along for over 2 months with their " investigation ''. I replied at every turn sending them the info and documentation they requested. On XX/XX/XXXX, I missed a communication from them that required I file a police report and send it to them for my case to continue. I don't even know if the police would have taken me seriously. Because I did not provide a police report, paypal automatically found in the seller 's favor. Because their investigation took over 2 months ( was originally filed on XX/XX/XXXX ) my bank says they are unable to dispute it because they can not dispute anything prior to XX/XX/XXXX and this transaction took place on XX/XX/XXXX. Because of the egregious amount of time paypal took to complete their " investigation '' I am now out of luck with a scammy seller. Paypal has  refused to appeal or reopen the case, I was on the phone with them for over 2 hours this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX and XXXX, I filed a dispute with this Credit Bureau about theInaccurate reporting of addresses I've never lived at before XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX and phone numbers that I am not familiar with. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you

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 2018-07-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from Wells Fargo in the mail on XX/XX/XXXX. The card had originally been mailed to a Kentucky address. The envelope was returned to Wells by the post office as there was no one by my name at the Kentucky address. Wells then re-mailed it to me at my correct address in Illinois.  Of course it should have been a " red flag '' to Wells when the card was returned to them from the original address.When I received the card, I immediately called Wells to understand why I was receiving this debit card. I have never had an account with Wells or done any business with Wells. My call was directed to the Identity Theft unit. They told me that someone had opened a bank account online in my name using my social security number and birthdate. When I asked how that could happen with out some form of picture ID or signature verification, Wells said that was not needed to open an account online. As a XXXX of a XXXX XXXX XXXX, I know that we require a picture ID and identity verification on all transactions. How can Wells open up and account without a verification process? This should be prohibited by the CFPB and the appropriate banking regulators.

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 2018-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX/XXXX Capital One Statement balance is XXXX XX/XX/2018 I took part in a Capital One Promotion to transfer a balance from a credit card to Capital One ( no transfer fees ). I wrote a check for {$8000.00}. 

XX/XX/XXXX, I paid my previous statement balance ON TIME and in FULL XXXX XXXX/XXXX  statement shows charge of XXXX ( transfer ), regular charge of {$39.00}, and interest of XXXX. Total statement balance XXXX XX/XX/XXXX Paid FULL and ON TIME amount XXXX XXXX/XXXX  statement and payment XXXX had an XXXX credit of XXXX and regular charges of XXXX. PLUS interest charges of XXXX. 

I called to explain that I wasn't subject to interest because I had paid balance in full. They explained that they apply the payment to higher interest rate items first. However, they are including the new purchases as 'higher interest rate ' when, in fact a new purchase is 'no interest ' if it is paid in full before the 30 days. 

So I continue to have a balance on this 'low interest rate ' transfer even though I continue to pay my bill in full. 

THIS IS ILLEGAL!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX - {$120.00} I CONTACTED THIS COMPANY BACK IN XXXX OF 2020 TO HAVE THIS INACCURUARATE INFORMATION REMOVED FROM MY CREDIT FILE. NO CALL BACK OR RESPONSE BY PHONE OR MAIL FROM THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a victim of a scam on XXXX marketplace. I purchased an item that was from a member whos account was not real. I had never used this means of purchasing before. I was told this was thru XXXX goods and services. When the transaction came thru, it stated goods. After I paid {$300.00} the profile was deleted and I never received my purchase. I was told that XXXX couldnt do anything and the transaction was paid via XXXX XXXX XXXX, therefore they couldnt do anything. I contacted my bank and disputed the transaction. The representative processed it incorrectly and was told this would take 10 days, not ten business days. I called 2 separate occasions. The last I was told a decision had not been made. This was incorrect, as I was denied due to the first representative incorrectly disputing the charge. I called another time and was told by the PNC representative that I was given incorrect information, and a new dispute was entered, however, due to their error, it would take 5 days and not 10 business days. I asked to speak to a manager, and was given to XXXX because she would have other solutions for me, other than waiting this time. XXXX then came on and stared she had no options for me and that her employee was misinformed. I was called today by another individual whom stated it was 50/50 that I would receive my funds back. This man was rude and hung up on me once he completed his necessary information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I notice on my credit report that there is a collection account from CREDIT COLLECTION SERV XXXX in the amount of {$98.00}. I have sent letters and have not heard any responds from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
have disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Experian continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. XXXX  is missing on time payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX  and Experian. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Experian the dates XX/XX/XXXX and XX/XX/XXXX of are listed at 150 and 180 days late but XXXX  has them listed as 120 days late. on account number XXXX Experian has dates XX/XX/XXXX and XX/XX/XXXX listed 150 and 180 days late but XXXX   has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both account one of XXXX and the other XXXX they are both charged off the balance should be XXXX. 
They refuse to do an independent investigation as per my previous CFPB complaint XXXX regarding two inaccurate XXXXXXXX XXXX accounts they are reporting. I have tried several times to have them address this but they continue to give me the run around. I want this inaccurate information deleted from 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 2018-02-10
Company: CULLEN/FROST BANKERS, INC.
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:
Made purchase at XXXX 
Parts never arrived, XXXX claims parts left on doorstep around middle XX/XX/XXXX. 
XXXX has horrible customer service, problem resolution ... So I filed fraud claim with bank.. Bank cancelled my card and gave me another card to follow the fraud procedure. 

However, my bank has sided with XXXX and I still have not recieved the merchandise. This claim is against my bank for failing to support me in a bad fraudulent deceptive practices with XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Integrated Asset Recovery LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been sending letters to XXXX XXXX since I found out about the opened credit line with them. I did NOT authorize this credit line to be opened. My identification was stolen along with my social security card. I dont live on the address from those statements. Additionally, my name is XXXX XXXX XXXX NOT XXXX XXXX. Nevertheless, I recommend that you remove the fraudulent account from my credit report!!!! If I dont get the account removed ... .Im gon na take legal actions against Portfolio Recovery for harrasing me and attempting to collect a debt that DOES NOT BELONGS TO ME. Lastly, XXXX XXXX broke the contract by selling the debt to a third party ; therefore account is not valid and not contract was made with Portfolio Recovery.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I notified Experian that I am a victim of identity theft and they accused me of being a credit repair company/person. I am not a credit company, I am a person, human

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 2020-07-04
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: 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 {$1400.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$6100.00}, {$2400.00}, {$6000.00}, {$920.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 4. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX STUDENT LOAN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

12. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not 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 2020-07-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased air conditioning from PC Richard last year through special financing, no interest for one year. The sales person did not inform me about deferred interest or special charges if I dont pay in full after a year. XX/XX/2020 my balance went up by close to {$700.00}. I realized this today while checking my credit history and saw that balance went up a lot. I had not been receiving any statements from them. I called Synchrony Finance today and they said that they cant do anything. I requested supervisor to raise a complaint and send me correspondence or give reference which she refused. I am having financial difficulties these days and I would really appreciate if you can help me with PC Richard and Synchrony finance. I have raised this with XXXX XXXX XXXX as well. Thank you

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 2021-01-27
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I recently was bombarded with emails from LendingClub a company where I am currently paying off a loan I received around 3 to 4 years ago with a co-signer in the amount of {$570.00} a month. I have been making on-time payments and monitoring my credit score and credit decisions with the XXXX app for smart-phones. I was under the impression and assumption that I was refinancing my current loan which I am halfway through paying. I had no intention of taking out another loan or in their words " opening up another account, and it's okay because at LendingClub you can have up to two accounts at the same time. '' When the offer was first made to me they said I can apply up to {$40000.00}, so I applied for {$40000.00}, they came back with an offer of {$13000.00}, which I accepted. So I am thinking they loaned me the $ XXXX minus the $ XXXX, which would left me with {$15000.00} cash in hand. But now I can't remember if was going to refinance the $ XXXX I originally borrowed minus the remaining balance of {$11000.00} which would have left me {$13000.00}, again close to the amount that they created a second account for. After their admin fees I received through direct deposit {$13000.00}. I never would have agreed to take out a completely new second loan to add to my debt, that I am trying to get rid off. LendingClub bombarded me with emails using key words like refinance, congratulating me on payment streaks, and now I feel they are trying to take advantage and take what little money I have left to pay on a second loan them. I called a customer rep, greedy and predatory when I spoke with them over the phone. Also my interest rates are to high at 30 %, for my credit score of XXXX when I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PHOENIX FINANCIAL SERVICES HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: NJ
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit card limit was reduced from {$9900.00} to {$1000.00} without prior notification from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: JPMORGAN CHASE & CO.
State: FL
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 was out of the country and I have been a victim if fraud I have always paid my bills on time but I had a separate card from chase for my business called chase ink preferred with a 23,000 line of credit as I arrive back to the United States it was on the beginning of XXXX when the whole pandemic started I personally have sent letters explaining to chase credit dpt of my circumstances that my business cc was used by ex employees of mine that were indeed authorize users and therefore have paid off this card but chase is not willing to remove four months of late charges even though they weren't made by me and it was a business cc that I honestly had no idea it would fall under my own personal credit report My credit score has signifincaly gone down like 100 points due to this mess I would like to get this erased of report right away

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: MD
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation. I am a XXXX XXXX recently engaged and trying to purchase my first home with my soon to be wife.

Company response to consumer: Closed with explanation