BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sell items on XXXX. All XXXX transactions are processed through PayPal. On XX/XX/XXXX, I received an email from PayPal stating that a customer who had purchased an item on XX/XX/XXXX opened a case with their credit card company stating that they didn't recognize the charge. This resulted in PayPal opening a case and withholding the amount of the transaction ( {$24.00} ). 
I responded to the PayPal case and suggested that the customer probably just forgot they ordered the item and I provided the transaction info, pasted here : XXXX this transaction was an ebay purchase made on XX/XX/XXXX for : XXXX and XXXX XXXX GPS Map XX/XX/XXXX on MicroSD for XXXX Devices XXXX item number : XXXX XXXX In the meantime, I received a message via XXXX Messages from the customer ( XXXX ) stating " I need to pay you my wife cancel payment didnt realize I had ordered chip ''. 
From this, it's clear that the buyer 's dispute of the transaction was in error. 
This info regarding the customer 's admission of the mistake was also provided to PayPal. 
On XX/XX/XXXX, I received an email from PayPal stating that they've closed the case in the customer 's favor, debited my account {$24.00} for the original transaction plus {$20.00} for a chargeback fee. 
I'm seeking the return of {$44.00} to my PayPal account XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received two pieces of mail to my home. One claiming a potentially fraudulent card was applied for in my name for a Home Depot store card provided by CitiBank. Looks very real. The second letter, arriving one day later claims I am approved for this card. Both of these letters look real. At no point did I apply for a Home Depot 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 explanation
Consumer complaint received 2019-09-16
Company: Credit Solutions
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received a threatening telephone call today from a collection agency named XXXX XXXX XXXX ext # XXXX. The female collections person stated that I owed {$550.00} on an old credit card with XXXX XXXX. The collector said that if I don't pay the {$550.00} today then she would start calling my job and harassing me. The female collector also wanted me to give her my debit card number and I told her no that and that if I owed this debt I asked her to send me a statement via email she would not comply. I also told her if I owe this debt then I would pay by check depending on the payment options that they can give me once it is verified that I owe this. Can you provide any assistance? I don't want this collector to call my employer, harass me, and I wind up losing my job.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. 

The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.

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 2018-01-26
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. 

The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions Inc.
State: VA
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 am a victim of identity theft

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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CITIBANK, N.A.
State: CO
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 been trying to get support from Citi bank for 7 months now on a charge for services not rendered I scheduled a move and paid {$750.00} deposit to insure a quote for the move in XX/XX/2015  # days before the move I got a call saying the price changed to quote of {$1900.00} to {$3600.00}.. The owner said he would move my things for the original price but would not move all of my things. He reduced the items about 1/2. 

Of coarse I canceled the move as I needed all of my things moved. 

I can not get a refund from the company and my credit card company take the charge on and off periodically for the past 7 months without paying attention to my situation, I have spoke to customer service serval times over the last 7 months and have got nowhere.

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 2019-07-02
Company: Experian Information Solutions Inc.
State: FL
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 Sent in a dispute to experian, XXXX and XXXX inregards to errors on my report, that is reporting incorrectly.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
I haven't Received no physical document of debt or corrections

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 2019-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I disputed a fraudulent cc on my credit report and they said it was resolved which is far from the case. I never opened a capital One cc in XXXX of 2018 and its showing delinquent on all 3 credit bureaus. I want the cc closed and something done to investigate who opened this cc and I want them prosecuted. Please help me with looking into this. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Capital One incorrectly and unfairly reported me 30 Days late for the month of XX/XX/XXXX on my account ending in XXXX. I moved from XXXX to XXXX last XX/XX/XXXX. Shortly after, I called capital one and informed them of what my new address is. I was advised that my account/information has been updated. I am not enrolled in estatements/paperless billing nor enroled in autopay. I just mail in check payments with my statements. I just found out that not all of my account was updated to the correct current address. Having two accounts with the same company, all my accounts should have been updated and furthermore, I was advised the first time I called them that the address on the accounts has been updated. I made a payment to them last XX/XX/XXXX for the full balance and a representative updated the address just last XX/XX/XXXX. I should not have been late for that month if only my address was updated. It is the creditor 's obligation to update my information with the current and updated information provided to them. They violated the Califonia Credit Report and I am suffering greatly because of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
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 is showing inquiries on my credit report that i did not authorize and i have contacted XXXX about correct and removing these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX company Citibank pulled my XXXX credit report, then claimed that they didn't. This in spite of a record on my XXXX report. They had the audacity to claim that all three bureaus work together and a pull to XXXX or XXXX is automatically reported to XXXX. That's a lie. They pulled the report for no use, as their Executive Response Team told me they have no use for the XXXX report. So they dinged my credit report just for their own XXXX XXXX XXXX XXXX and giggles. Piece of XXXX company with no respect for consumers. It's a fundamental violation of the law to pull a personal credit report if it's not in connection with a decision to grant credit or make an offer. Pulling it for no reason is illegal.

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 2018-12-28
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on the XX/XX/XXXX I needed to make a payment or pay a late charge, Citimortgage allows individuals to make mortgage payments using a debit card. I have done this in the past without a problem, On this day my debit card was not accepted. I hung up the phone. I checked the app on my phone. i had the funds to pay the mortgage and could find no restrictions on my card. I called Citimortgage back and tried to make another payment. Again my card was not accepted. I asked to speak with a supervisor. The supervisor and the representive both told me I could use my checking account. I explained I did not use checks because I used my debit card and could not remember my account number. The supervisor asked me if I would hold while she contacted my credit union.The supervisor, the credit union,  and I were on the phone together. There was no problem according to XXXX XXXX XXXX. From what I could understand, The problem seemed to be with Citimortgage. I told Citimortgqage I could send a money order, but I felt that I should not have to pay a late fee because I had made an effort to pay the mortgage on time. the suprvisor stated I would not have to pay the late payment as long as the credit union would send a fax to them about the debit card. The credit union stated they would send the fax. I went to the post office and boufgt a money order for {$600.00} and mailed it to the mortgage company. Since then I have received a phone and a email stating I owed a payment for XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
PARAMOUNT RECOVERY IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT! REMOVE ALL NEGATIVE ITEMS ON CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: WINN LAW GROUP, APC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/XXXX, an individual from the XXXX XXXX Sheriffs Department delivered a writ of garnishment to my employer. The writ was endorsed by the Superior Court of the State of California, XXXX XXXX County. The attorney of record on the writ is Winn Law Group ( Winn ) and the plaintiff/petitioner on the writ is XXXX XXXX XXXX, XXXX ( XXXX ) as an assignee of XXXX XXXX. ( XXXX ). 

The writ of garnishment contains a mistaken identity. While it is addressed to my employer, the defendant ( who has the same first and last name as me ), has a different middle name, address, and social security number. I do not currently live in the same state as the defendant. I believe the mistaken identity originates from the fact that the defendants address is in the same zip code as my employers headquarters, despite the fact that I work in a separate office, in a separate state. 

I immediately contacted the sheriffs department and an individual there represented that he had no ability to change the writ, the sheriffs department merely serves the writ. 

I then contacted Winn. The first operator I spoke with forwarded me to an unattended phone line. The second operator I spoke with forwarded me to one of the firms attorneys XXXX XXXX. Mr. XXXX asked for my address and the last four digits of my social security number. He confirmed that the defendant does not appear to be me and said he would draft a release letter to send to the sheriffs department. I requested a copy of the release letter as well. He requested my email address and said he would send me a copy of the release letter in the next 15 minutes. I did not receive any emails from Mr. XXXX today. I tried four additional times to reach Mr. XXXX and left two messages. 

My haste in filing a complaint is an attempt to force Winn or XXXX to submit a release of claims within the 10 day window in which my employer is required to respond. 

I believe Winns misidentification, identifying me as the defendant, is a material violation of my rights and privacy. Further, Winn caused significant embarrassment to me by matter of a sheriff appearing at my employers headquarters and making the false identification public to my coworkers. 

My complaint will be satisfied when Winn ( and/or XXXX ) : 1 ) prepares a release of claims letter that is sent to me, my employer, the XXXX XXXX County Superior Court and the XXXX XXXX County Sheriffs office ; 2 ) each entity confirms receipt of the release letter, 3 ) Winn submits to me an apology letter, and 4 ) Winn posts a new policy on its public-facing website stating the appropriate procedure an individual may follow when it believes it is subject to misidentification and, in that policy, Winn commits to addressing every complaint alleging misidentification. 

I am lucky that I was able to catch the misidentified writ of garnishment before my employer deducted wages. Other individuals may not be so lucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 and Transunion is purposely disobeying the FCRA 605 ( B )  Laws. XXXX and Transunion has received all the necessary documents on my behalf to validate my identity being stolen, in relation to some fraud accounts showing on my report. XXXX  and Transunion staff members verbally said they received the documents on XX/XX/2019 and thus XXXX  hasn't blocked/removed anything! Transunion has removed everything needed but a XXXX acct, furthermore they both are willfully going beyond the legal statute of days having to block all the information resulting from alleged identity theft, not later than 4 business days of receipt. As stated under the FCRA 605B ( 15 U.S.C. 1681c-2 ) They are clearly breaking laws, I have been on phone calls stating the obvious that this is incorrect and i should not have to wait a total of 30days for you guys to block these accounts as a valid fraud investigational dispute works differently than the normal disputes. They would totally disregard the laws morality and my own anguish, so I thus have been forced to keep multiple fraudulent accounts on my profile through their own discretion.

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 2021-07-20
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/20 I purchased my home in XXXX PA. On XX/XX/20 I lost that home and mostly everything I have ever owned in a tragic fire. Looking past that, on XX/XX/20 XXXX XXXX issued payment for this loss in the sum of XXXX. The check was made out to both myself and XXXX XXXX. It was subsequently cashed and held in escrow by XXXX XXXX per process. When reconstruction began XXXX XXXX made an initial distribution without issue. The requirement for further distributions would be progress inspections. Distribution amounts would be based on % completed until all funds were distributed. However before another distribution was needed the mortgage was sold to XXXX XXXX. It then took XXXX XXXX two months to get their paperwork in order, order and perform a progress inspection and make another distribution. In similar order, before the next distribution was needed the Mortgage was again sold, this time to Freedom Mortgage which brings us to the present. I have been working in excess of 3.5 months trying to get Freedom Mortgage to get their ducks in a row to no avail. After dozens of phone calls and dozens of emails they are now requiring documentation ( contractor bids and contracts specifically ) that do not exist. The previous two Mortgage companies did not require this structure and as such it was never established. The other Mortgage companies required progress inspections which successfully took place resulting in distributions. I simply can not provide Freedom Mortgage with this information/documentation as previously stated because it does not and never existed because it wasn't required from the beginning. Additionally there isn't one general contractor, there are dozens of individuals working on this project, none of which are from large firms. I have no way of going back in time to satisfy this need of theirs that was never previously required. They are the third company that has held this mortgage since the fire and I don't see what gives them the legal right to withhold my funds needed to finish rebuilding my home because they want to change the process 11+ months in. I need the remaining XXXX to not only finish construction on my home but to also pay back my savings that I have effectively drained floating this project along during these unacceptable delays. This is now bringing construction ( the final stages ) to a stop as I have exhausted my savings trying to keep construction moving along and keep everyone paid throughout these unacceptable delays caused by Freedom Mortgage.

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 2019-07-02
Company: Santander Consumer USA Holdings Inc.
State: FL
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 Sent in a dispute to XXXX, XXXX and XXXX  inregards to errors on my report, that is reporting incorrectly.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
I haven't Received no physical document of debt or corrections

Company response to consumer: Closed with explanation