BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal is practicing fraudulent activities by holding the seller funds that were cleared by XXXX since XX/XX/2020 thru Buyers and Sellers Transactions on XXXX for the amount of {$1100.00} that they owe me. The buyers were satisfied and the money was made available to me by XXXX thru PayPal. I have been doing purchasing and selling thru PayPal for years and never had a problem when they charge my credit card on file with them. Now when I am requesting my money they owe me, they refuse to release it to me. They are now requesting that I scan and download my verified Drivers License or my Passport and my Social Security Card. I dont mind scanning and downloading my Drivers License that is verified by the State of Florida with the Gold Star on it which is the latest approved verified Drivers License, but scanning and downloading my Social Security Card is a sure way for Identity Theft especially since they have my social security # and my credit card on file which they have been charging for years with no problems, Therefore I should not have to scan and download them my Social Security Card to get my money since they have had my credit card on files for years with no problem. It seems that PayPal is creating problems for any consumer who is requesting their money so they can create a XXXX XXXX for their own use by denying their customers like me their money for as long as they can, I have tried to contact pay pal all i get is automated service with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a consumer credit card with HSBC. I owed XXXX cents which was due on XX/XX/2021. Rather than write and mail a check for XXXX cents, I went into a branch and paid it in cash, receiving a receipt as proof of payment. I made this payment on XX/XX/2021, which was three weeks before it was due XXXX see attachment to this complaint ). I was told by HSBC that this was acceptable. To my surprise, I learned on XX/XX/2021 that they never posted this payment, and now it shows that I paid it late and received a late payment penalty. I attempted to correct this via phone on XX/XX/2021, but they were unable to help me, so I had to go to the branch where I made that payment ( HSBC, XXXX XXXX XXXX, XXXX XXXX CA XXXX ) to have this matter cleared up. So, I immediately went to the branch and showed them the receipt with the payment date of XX/XX/XXXX, and asked them to correct my payment record and reverse any late fee. I was assured by the Vice President/Branch Manager XXXX XXXX that the record would be corrected, reversing any late fee and showing that I paid the amount on time, on XX/XX/2021 XXXX not late ). Today, XX/XX/2021, I called HSBC to confirm that everything has been corrected. I spoke to " XXXX '' who, to my surprise, told me that the payment is showing as paid - but their records shows that I paid it yesterday ( late! ) on XX/XX/2021. I asked that the record be corrected - I do NOT want a late payment showing on my payment record - but she said that there was nothing she could do about it. This is not right - I did not make a late payment on my credit card account, and HSBC records should NOT show that I did. I want HSBC to clearly show in their records that I paid my credit card bill on time, three weeks prior to the due date, on XX/XX/2021 - not late! Also, Branch Manager Mr. XXXX XXXX should not have misinformed me by telling me that the payment date would be corrected to show that I made the payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions 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:
On XX/XX/20 I submitted dispute to XXXX  & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now target & is saying they looked at my submitted documents which include identity theft affidavit signed by the officer that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections XXXX  is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly

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 2020-10-12
Company: EQUIFAX, 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:
On XX/XX/20 I submitted dispute to XXXX  & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now XXXX  & is saying they looked at my submitted documents which include identity theft affidavit signed by the officer that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections XXXX  is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: WELLS FARGO & COMPANY
State: UT
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:
Wells Fargo is reporting an erroneous debt on my credit report that I do not owe. This debt is really old. Not only is it past the statute of limitation, but it's also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit report.

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 2018-05-04
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX holder of my mortgage transferred servicing to LoanCare , LLC, as of XX/XX/XXXX.Notice of Transfer said to send payments to XXXX XXXX , XXXX XXXX XXXX, XXXX, PA XXXX. I notified my bank, XXXX  of account number and address change and sent through my first payment through Bill Pay to be received by XX/XX/XXXX in the amt. of {$610.00} and then I sent a second payment to be delivered by XX/XX/XXXX in the amount of {$610.00}.

I discovered XX/XX/XXXX, that my XX/XX/XXXX payment had not been applied, and sent a communication to Loan Care. I have talked to multiple people and had multiple email conversations. My second payment has not been posted either. I sent the documentation of proof of payment that XXXX  instructed me to send from my website, I did not hear back other than another dunning call. I was told I needed a transmittal letter from XXXX  sent to them at XXXX.myloancare.com. I spoke to XXXX  and they said they would send it right over to them at the above email which they repeated back to me. I got a confirmation letter with the transmittal information from XXXX, and after speaking to another agent at ( XXXX  ) LoanCare, I sent a copy of my letter as well to the email mentioned above. One of the agents ( XXXX  agent no. XXXX ) told me they were not set up to receive electronic transfers and that the XXXX should have sent a check. There was no mention of this in the Servicing Transfer Notice.

I made an extra payment over the phone to waylay any dunning, on XX/XX/XXXX.

I have asked if I should ask XXXX to recall the payments and pay them directly, but was told they want the transmittal form. My husband and I have spoken to and corresponded with multiple people regarding this and was told this past Monday, XX/XX/XXXX that it was just sent to the area to be researched and to give it 5 more business days. I received another dunning call today, XX/XX/XXXX and I asked them to please read the history of customer inquiry and was told that the transmittal I sent In XX/XX/XXXX wasn't what they wanted. I will call XXXX again, but I don't have any faith that this will be settled by LoanCare.

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 2018-12-21
Company: Experian Information Solutions 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:
I ran my credit and notice things I had no knowledge of. I never use my personal credit for anything. I called each company numerous times which they stated it will not be reported and its still being reported. Its been over five months. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2020-11-13
Company: CITIBANK, N.A.
State: WA
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:
Back on XX/XX/XXXX I mistakenly made a payment to Citibank credit card for {$1200.00}. Then I received a letter from my mortgage company XXXX XXXX XXXX XXXX  XXXX letting me know I was late. I looked into the situation because I am always on time and realized the error I made and immediately called Citibank on XX/XX/XXXX. I explained the situation and asked how I could get those funds returned to me due to it being for a mortgage payment. I was told that the only way was to have a credit refund check sent to me..I advised the agent of my address and was told I would have a check within 7-10 business days. Then I waited until XX/XX/XXXX ( 14 business days ) and checked with Citibank again because no check. This is what I was told : " I see that the refund check had been mailed out n XX/XX/XXXX, as you had not received it by XX/XX/XXXX we had cancelled that one and a new one was mailed out, it should be with you in this coming week. Could you confirm your mailing address for me please? I gave them my address and was told it went to a different address!!!!! I just got through talking to another agent and am being told that I should have a check within 3-5 business days!!!! The agent also suggested that he cancels the check request and once it is back in the Citibank Acct they can then send it to my checking account???? Really?? I asked for other ways to get these funds quickly so I can pay my mortgage and that was not an option back on XX/XX/XXXX but is now?? I even went to a bank to get a cash advance and was declined and found out that I can only get {$300.00} cash advance!!! In the meantime, I sit and wait for MY money that they want to play with and make more interest on and it is just not right ... XXXX.I made the mistake and paid the wrong creditor and that is my bad however, they know the situation and I asked for the check to be overnighted and that was not an option!!!! Any assistance would be greatly appreciated.

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 2021-07-16
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
After reviewing my credit report today XX/XX/21, I noticed CBNA & XXXX  are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was 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 2021-07-16
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I stopped at Chase Bank ATM terminal ID XXXX at XXXX XXXX XXXX XXXX to withdraw {$400.00} from my XXXX account. The ATM did NOT dispense money, instead printed me a receipt saying we arent able to dispense cash right now. Please call us at XXXX. Chase bank DID remove {$400.00} from my XXXX account. When I called chase bank I was told they couldnt do anything about their ATM stealing my money. I asked if I could go into the branch and get my money, at which point I was transferred to a recording that said please call us back and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: TN
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:
I XXXX XXXX, rights of privacy have been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent, via certified mail, a debt validation letter to First Federal Credit Control requesting to validate the alleged debt of {$800.00}. The collection agency received the debt validation letter on XX/XX/XXXX and responded with a bill/statement/ invoice which I received on XX/XX/XXXX. I filed a compliant through the CFPB on XX/XX/XXXX stating that providing a bill and/ or statement is not sufficient documentation of the alleged debt and that it was only a form verification and not validation as requested. In return, the collection stated that " The verification of the debt was done correctly as provided under the FDCPA. '' The bill that was provided by the collection agency on XX/XX/XXXX is inaccurate. The bill provided has my mothers name listed under the patient information section of the bill which is a violation of HIPAA. Also in the insurance information section on the bill my mother is also listed as the primary insured person which is incorrect. My mother has not had medical insurance for almost 2 years and I have not been under my mothers insurance for over 4 years. The collection agency DID NOT verify  or validate the alleged debt correctly or accurately. All documentation provided is inaccurate data and violates HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Monday, XX/XX/2021 Someone posing as Chase bank texted me and said someone had tried to wire {$2000.00}. from my account and they asked if this was me. I said NO and they said to stand by and they would be calling me. They called from the same number as is on my Chase debit card which isXXXX. They said they were going to help me protect my account. They asked if I knew someone named XXXX XXXX and I said no. They asked if I had been on an unprotected internet like at a restaurant and I said not to my knowledge .They sent me an email from chase.com to confirm their identity. I have to admit I was suspicious by I went ahead with the call. They asked for my email and I asked them to tell me my email and they just said gmail. I went ahead and gave them my email address. Then, they said they needed me to go to XXXX and send myself all of my money to protect myself until they could clear up this person trying to wire my money. I feel XXXX but I did it and of course I lost my money. Immediately after this they charged a XXXX bill of {$190.00} directly to my bank account. I did freeze my account and canceled my debit card. When I tried to call CHASE their number showed with a scam flag for about 15 minutes. When I finally got through to CHASE they put me on hold for 30 minutes and then I spoke to their fraud department. They acted like they had never heard of this scam. I have since found out several people in my community have experienced this same thing. The representative acted like it was my fault but went ahead and filed the claim. The XXXX bill has been temporarily reversed. The XXXX  transfer was not reversed. They sent me a letter saying it was authorized and so they will not return the money. I don't feel like they really tried to get to the bottom of this and I know a big bank like this has insurance so I think it is downright cruel for them to dismiss me.I also am disappointed that they have not issued a warning or public service announcement and they continue to play their commercials about how great XXXX quick pay is and how safe it is. I know also that the other people this happened to go their money back so how do they decide who gets the money back and who doesn't?? I have had a CHASE checking account for 10 years and never had over draughts until this scammer got into my account. 
Also, I will not be using XXXX in the future. XXXX doe not take responsibility for these things either. Thankfully I have an identity theft company and they are helping me. I feel like I was totally dismissed by CHASE. They didn't even say they were sorry that this had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I dealt with 1 loan officer, he put a note in computer for no one else to deal with me, no other branches of the same bank. 
He said I would be able to consolidate my debt into my mortgage, and refinance because with personal loan payment it was to high. He disappeared and no longer was at the bank, they said he moved to another location. The employees at that bank refused to help me. I did not have a phone or car and then covid happened and was told to shelter in place at home. Now they are trying to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I sold a stock on XXXX for {$54.00} on XX/XX/XXXX, and my bank account was mysteriously removed from the app. XXXX reversed the transaction as a result and took my earnings from the stock, and also charged a {$9.00} fee for reversing the transaction. The app 's service used for connecting bank accounts to XXXX, known as XXXX, has not allowed me to connect my bank account to XXXX. Over the past three weeks, I have tried connecting my bank account to XXXX, but to no avail. 

I also tried to pay a friend on XXXX because he put a down payment on an XXXX  we rented for vacation. XXXX also uses XXXX to connect bank accounts. For some reason, PNC is unable to connect to XXXX as well, and I haven't been able to make transactions on XXXX during the same time frame as the encounter with XXXX. 

Today, XXXX  gave me the option to file a complaint to the CFPB, and I'm hoping this can solve the issues I've been dealing with regarding my bank account and other applications.

Company response to consumer: Closed with explanation