BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX 1.account locked 2.funds on hold 3.refused to give a valid reason why I couldn't access my funds. 
4.asked to have my funds released and I would no longer do business with them 5.the account in mension XXXX 6.The amount XXXX I was recently informed by PayPal that my account would be limited in the amount of XXXX because I violated their user policy I reviewed the policy and i violated none of their user agreements.I contacted them to and asked what user policy I violated and I was told by them " we don't accept your business '' .I told them I don't have a business and then they proceeded to tell me something triggered there automatic system, and would have to wait 180 days to have my money released to me even though though all my transactions where by myself and to myself they refuse to release my funds and when I ask them about it they either answer with something irrelevant to the topic or they just try to obfuscate me with things that clearly have nothing to do with the questions I asked.They can give no definitive reason why they can't give me my money back or release it to. 


The practices being used by PayPal in this regard are shady and uncalled for no reason why it Should be a 180 day hold on funds that belong to me when they can give a definitive reason why they are withholding funds. 


I have no interest in doing any kind of business with them at all and I just want my funds released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have sent in disputes to TransUnion, XXXX, and XXXX about these fraudulent inquiries on my report. TransUnion keeps informing me about their policies and stating that they can not remove fraudulent accounts unless I contact the creditor. The point is that I have never contacted these creditors for an account in the first place. I also think that since they wish to continue reporting these inquiries as they are unlawful, they should pay the {$1000.00} per violation according to the following guidelines in the FCRA : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 Section A. States I have the right to privacy 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an email in regards to collection debt which does not appear to be mine. First of all, I never lived at the following address listed on the account. I never had cable from XXXX. I noticed 2 errors found and I am contacting you in regards to that matter. By law I am contacting you through this portal and upon receiving this message please be advised that Ive filed a police report, contacted the FTC and filed a report. I have also filed a lawsuit at the civil county courthouse located in XXXX TX. I am giving you less than 3 days to remove this error from my credit file by the ending of the week. If not I will contact my lawyer immediately upon your response.

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 2018-06-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a payment to Wells Fargo for a personal loan that I took out. The check I made the payment with was more then the amount owed including interest. There was any over payment of roughly {$700.00}. When I call the bank regarding the check, I was told that the amount was paid in full to the cent with no over payment. This is a blatant attempt to steal money from their customer. When I requested they refund my money as soon as possible, I was told they would need to investigate this even though I have the receipt showing the amount that was paid as I made the payment at a branch. They should refund the money once the receipt was provided without having to do any investigation taking up to 7 days. We both know what the amount owed is, I have the receipt which shows proof of payment and the over payment. This should be easily resolve and yet they are going to take 7 days. Seem they are eager to steal more money from their consumer and want that 7 day to figure out a way to do that.

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 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Since XX/XX/XXXX And More reported update With the XXXX XXXX XXXX XXXX I have phoned each incident To FTC and IRS and the 3 credit reporting bureaus All police reports copies of Wrong placed bills in my name All my properties were stolen XX/XX/XXXX And still in court trying to get corrected It is affecting my right to purchase a home Effecting my work employability And effecting my name- incorrectly Fraudulent use of my name Bank Accts etc ....

Fraud and crime noted thru Police depts and state officials ( I also have a Bankruptcy which should have been cleared and removedXX/XX/XXXX And should no longer be visible thru my credit report Sta. U.

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 2018-04-16
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter dated XX/XX/XXXX from IC System demanding a debt in the amount of {$60.00} on behalf of a doctor 's office. On XX/XX/XXXX, I responded in writing and provided information ( credit card payment approval/confirmation code and date payment was made ) which may prove the debt to be invalid. I further requested verification of the debt, such as date of service and type of service. 

Before the end of XX/XX/XXXX, I called their office to provide the information verbally and to request verification of the debt. I was told that that the account is scheduled to be reported to the credit bureau in XX/XX/XXXX ( a specific date was not provided ). The lady I spoke to advised that the creditor will be informed of my dispute and no action will be taken until such time after the debt is verify. 

Since I have received no response, a later dated XX/XX/XXXX was sent certified mail to reiterate my conversation with their staff and my dispute. On Saturday, XX/XX/XXXX, I received an email from my credit monitoring service, that IC System reported the debt to the credit bureau on Sunday, XX/XX/XXXX. 

On XX/XX/XXXX, I called IC System. The gentleman I spoke to said that the system shows the account as being on hold due to a dispute and he is not sure what happened or why it was reported to the credit bureau. 

IC System has violated my rights under the Fair Debt Act, by failing to investigate and to provide verification of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: FBC MORTGAGE, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX - I made a sales agreement on the brand new house where I live in now. 

XXXX XXXX - When I mad the agreement, I also made an agent agreement with my realtor, and the agreement included that I will get {$1000.00} credit on the closing.!! 

XXXX XXXX - I started a mortgage loan after I got a pre-approval. ( This was right after the day of the sales agreement ). The mortgage company was recommended by the home builder. And I paid the XXXX of earnest money. 

XXXX XXXX - After several days, they told me I had to switch to FHA loan with other mortgage company referred by the XXXX XXXX XXXX, because I have a XXXX XXXX 

XXXX XXXX - I asked the home builder if I can get the earnest money back, and they said " no '' because it 's been approved on conditions. I did n't fully accept the situations and already got a lot of stress at this point, because I felt I had to keep going because the earnest money. 

XXXX XXXX, XXXX - I had a closing for my current house. 

XXXX XXXX, XXXX - I noticed that I did n't get {$1000.00} credit, and asked my realtor right away. 

XXXX XXXX, XXXX - The realtor finally answer this via text : " XXXX, I spoke with XXXX my Broker-in-charge at XXXX this morning. He said because your XXXX credit was n't on your closing statement & disclosed to your lender prior to closing we wo n't be able to pay you XXXX after closing. It 's also a violation of NC license law to pay anyone without a NC realtors license. I apologize for this error & promise to make it up to you on our next transaction. Any questions call me I 'll be happy to discuss it with you further. Also, If you would like to confirm this here 's XXXX contact info : XXXX XXXX, REO Specialist, CDPE, SFR, CDP, ABR, SRES, XXXX XXXX XXXX & SC Broker / Realtor XXXX XXXX XXXX, Broker-in-Charge ( C ) XXXX ( O ) XXXX Email : XXXXXXXXXXXX '' XXXX XXXX, XXXX - I did n't want to get promised for the next transaction, which I do n't know when it will happen. I wanted the XXXX. So, I emailed the lender and the realtor again whether there is any way to fix this. As of XXXX XXXX, XXXX, I have n't heard anything back from them. 

Contact Information for related persons/parties : - Realtor : XXXX XXXX, XXXXXXXXXXXX - Original lender : XXXX XXXX, XXXXXXXXXXXX - Final lender : XXXX XXXX, XXXXXXXXXXXX - Me : XXXX XXXX, XXXXXXXXXXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Consumer Portfolio Services, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased the car on XX/XX/XXXX. I asked the dealer for a copy of all my loan papers he informed me that the papers are to go back to the loan company. At the dealer I took the option for gap insurance. I was in an accident on XX/XX/XXXX. I spoke with consumer portfolio services on XX/XX/XXXX @ XXXX XXXX. I asked about my gap insurance only to be informed that I didn't have gap insurance. I would like a clear copy of everything I signed at the dealer as well as a sheet with my signature stating I did take the gap insurance. I find it very funny and I had a complaint on this earlier with this bureau about CPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
2 weeks ago I submitted a dispute through Equifax about XXXX XXXX XXXX XXXX. This company is reporting the same account, 3 seperate times on my credit reports! The 3 accounts reflect conflicting open dates, closed dates and amounts! As well as " last date of payment '' showing in XX/XX/XXXX. I've never owned a car ever for 5 years or have had the financial means to keep one that long. The car was voluntarily repossessed in XX/XX/XXXX, 2 months after getting the car the engine blew a Head! From XX/XX/XXXX to XX/XX/XXXX I drove a truck OTR and used relatives cars! In XX/XX/XXXX I got a car through XXXX XXXX, so it's easily understood I wouldn't be making 2 car payments! This creditor ( XXXX XXXX XXXX XXXX  ) has charged off the account years ago, and as my reports clearly show the convincing discrepancies, inconsistent reporting eras, and all factors that violate my rights, plus the length of reporting ... I can't see why Equifax keeps denying removal of these accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, that do not pertain to me and are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX ( XXXX  ) XXXX. XXXX, XXXX {$150.00}

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 2018-04-16
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
in early XX/XX/XXXX I stopped by a local NAVY FEDERAL CREDIT UNION OFFICE in XXXX XXXXl, NJ.

I only picked up a brochure.

on or about XX/XX/XXXX I received an ACCOUNT STATEMENT for an account that I DID NOT OPEN!

on XX/XX/XXXX after several calls I was directed to the CFPB and I spoke with XXXX   and she advised me to file a claim. I have only been delayed in filing this claim due to a family member passing away.

I am upset that a company or any company would be authorized to open an account without my permission or my social security number.

I feel that they are marketing by creating false accounts in the hopes that someone will set up an account.

I have the STATEMENT that I was sent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying to sell my house for almost 6 months and have been held up due to loss of documentation by Carrington Mortgage Services. 
There is a subordinate loan that was originally owned by HUD  for the amount of {$7300.00} that was transferred to Carrington in XXXXXXXX XXXX  ( documentation attached ). 
After calling many times, I was notified that I could fax Carrington 's research department to ask for the missing information. I have attached a letter from Carrington explaining that they are the servicer for this loan but that it will take an additional month to provide a payoff or release on this matter. 

This issue has already led to almost losing the house, already losing a buyer, and I am hoping to not lose another one. This has been a horrendous experience due to Carrington 's lack of organization and responsibility. I have spent many hours painstakingly trying to obtain this information. 

I am anxiously seeking any assistance that can be provided on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: GreenSky, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX I had a new roof and gutters put on my home by XXXX XXXX remolding, It was financed through XXXX. As of today the job is not completed. The city of XXXX has not approved the roof. The contract states that the job has to be completed with in 90 days, I gave XXXX a year, Called them weekly to get them to finish the job. From XX/XX/XXXX to XX/XX/XXXX I paid XXXX. Also the forged my name and my wifes name to papers stating that we signed off on the job!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: CCS Financial Services, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collector sent a collection letter for a debt that was satisfied 9 months ago with written proof submitted in writing to me by the agency i paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On Saturday, XX/XX/XXXX, I attempted to log into my online chase account. Instead of accepting the login, I was greeted with the following message ( screen shot included ) " Because of recent activity on your account, we've suspended your chase.com access for your protection. Please call us at one of these phone numbers ( depending on the type of account you have ) ''. 

This was followed by a list of phone numbers for different areas of the bank. I have personal savings, checking, joint accounts and credit cards with Chase, so I chose to call the # for banking as instructed. 

However, upon reaching a representative I was told my account has been permanently suspended, that " nothing '' could be done and all accounts would be closed at the end of the month. She could not tell me why and informed me that if I wanted to know I had to go into a branch to talk to a banker. She also stated there was a note on the account stating I had been notified. This was 100 % false, as I only learned of the situation when I tried to log into my account ( that had been working fine a day or 2 previously ). 

Upon learning this disturbing information from the phone representative, I was compelled to drive 86 miles round trip from where I was at to the nearest branch. 

I met with a banker. He accessed my account and called a higher customer service number. I was told he sees this situation from time to time where accounts are closed and Chase never offers a reason ... not even to the bankers. 

Keep in mind, when I try to log in online, the message states my access has been " suspended for my protection ''. The message says nothing about account closure. 

I fail to understand how closing all of my credit cards that are consistently paid and not in default " protects '' me. My credit score is over XXXX and I have been loyal to Chase since the XXXX 's and referred numerous customers over the years. If there is an issue of concern, at least have the decency to tell me what it is so that I may correct moving forward. 

Also I am concerned they have extended this issue to my Mother, with whom I am on a joint account with. Her involvement with Chase is limited to her personal checking and savings accounts. I would be ok with removing me from them if this is an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: Experian Information Solutions Inc.
State: OR
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 have been dealing with this company that is in violation of Hippa laws, constitutional rights, and contract laws. I have asked them to remove old information, inaccurate and non-valid accounts from my report. The most recent letter i sent to them was on XX/XX/18. I asked them about hard inquiries from companies i never done business with. I have collections for companies i have never done business with. I have accounts that have been closed or consolidated that still show open or payment history. I have phone numbers and addresses that i have never been associated with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an email in regards to collection debt which does not appear to be mine. First of all, I never lived at the following address listed on the account. I never had cable from XXXX. I noticed 2 errors found and I am contacting you in regards to that matter. By law I am contacting you through this portal and upon receiving this message please be advised that Ive filed a police report, contacted the FTC and filed a report. I have also filed a lawsuit at the civil county courthouse located in XXXX TX. I am giving you less than 3 days to remove this error from my credit file by the ending of the week. If not I will contact my lawyer immediately upon your response.

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