BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Date:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by American Express On XXXX applied for The XXXX XXXX  As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Overdraft fees and ATM fees were to much. I was over charged on several occasions for the same transactions.

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 2018-05-09
Company: ECMC GROUP, INC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I currently owe on a student loan is that it is being garnished out of my paycheck on a regular basis. I repeatedly received calls still about this even though money is being taken out of my paycheck already. I work for the XXXX XXXX XXXX XXXX County Florida and now the front office has been receiving calls for 3 week and it is illegal for me to take calls in class while XXXX. It is also inappropriate to share my financial information or use pressure tactics with the front desk clerk.

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 2018-11-05
Company: ADP, LLC
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
XX/XX/2018 -XXXX  XXXX XXXX , VA {$6.00} XXXX ATM TRANSACTION DOMESTIC FEE {$1.00} XX/XX/2018- XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted the mortgage company in regards to past due balance of {$580.00} that has been applied to my loan. The mortgage company advised me that they are for some fees and charges that have been assess to my account that is causing the past due balance. I advised the mortgage company that I should not be assess any fees that appear to be paid upfront. If I'm assess fees that they should be placed on the rear of the loan. I submitted a letter disputing this invalid fees and charges and they have not rectified the issue yet. By this error occurring on my loan it is causing my loan to show past due and have an negative impact on my credit report and continue to have a property inspection ordered assessing more fees to the loan.

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 2020-10-21
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Back on XX/XX/2020, I loaded {$200.00} on my paypal cash debit card and I purchased a room at the XXXX XXXX which charged me at about {$160.00} including a security deposit of {$50.00} which I was due to receive back after I left the hotel. This money was taking from my account as a pending charge which left me with the remaining. 
I made two other purchases after that which lefted me with a positive balance. 
Also on XX/XX/2020, I was robbed for my cell phone and my PayPal mobile App was compromised and the pass word was changed not enabling to get on the mobile app. 
I called customer service and was told that I had negative balance of {$48.00} which I didn't understand because PayPal doesn't allow you to overdraft your account because it's a prepaid card company that you have to put your own money on the card. 
My card became restricted due to this matter and I spoke to a PayPal agent about my concerns and I filed a dispute. 
I was given back a credit of {$50.00}, but was still responsible for the overdraft of {$48.00}. 
On XX/XX/2020, I spoke to another PayPal female agent to address this issue and we were on the phone for over an hour trying to figure out how I got into an overdraft in the first place and she couldn't figure out the answer and she told me that I had a balance of {$1.00} and change. This was after the {$50.00} was reimbursed from me from the hotel stay at the XXXX XXXX. 
She stated that she would connect me wit a PayPal specialist, but when she did no one ever came to the phone which didn't surprise me because PayPal has a practiced of using the excuse of low staff for not being able to speak to a consumer. 
I feel that I should have at {$50.00} in my account and the overdraft was an error on PayPal not me because I never purchased anything to be in an overdraft and if the person who had access to my mobile app shouldn't have been allow to overdraft my account because PayPal has overdraft protection and don't even allow consumers to overdraft on their prepaid cash debit card. So I am having a big issue with PayPal and feel that PayPal has unlawfully cheated me out my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-02
Company: Southwest Recovery Services, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX Southwest Recovery Services sent me a letter responding to my dispute letter for the amount of XXXX dollars asking me to provide enough information about the debt they have reported on my credit and all the information I have is their name and address. If they are reporting debt on my credit how is that possible when they can not send me the account number to the debt they say I owe them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Vital Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We continue to get calls XXXX and XXXX times a day from XXXX XXXX XXXX for a debt that is not ours. When I talked to the rep they claimed a debt from XXXX. I have never done business with XXXX and they continue to want me to give them the last XXXX digits of my social security number and date of birth, which I will not do as they do not even know who they are calling.plus once they have this information they can resell it to other unscrupulous debt collection agencies who could use the information when they make calls. Now when I answer the phone from them, they claim to have a system error or the call can not be forwarded but they continue to call at least twice a day I ask the CFPB to require XXXX XXXX XXXX to send me written notification of the claimed debt, dates, amounts, etc. Until they comply, I ask the CFPB to require they cease all contract via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: PASCO, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never conducted business with the company nor have they provided me with goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE 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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
COLLECTIONS ON MY CREDIT REPORT ARE INCORRECT AND CAUSING ME FINANCIAL HARDNESS. 

XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX  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 2023-02-21
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Date XXXX fraudulent loan take. Out at XXXX XXXX  date reported to credit company Now it is with Jefferson capital collection agency for over {$3000.00}. I have fought this and disputed this for years. In XXXX  I was a victim of identity theft while I was XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: HANCOCK WHITNEY BANK
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2023, I contacted Hancock Whitney Bank regarding my title for my vehicle. I hadn't received the title and it has been close to 2 months since the payoff. After contacting them, I was told there was a balance owed of {$5.00}. I told the lady I hadn't received a bill for this amount. She stated that a bill hadn't been sent since XXXX. I was unaware the bill hadn't been paid off. My credit history is excellent. I then contacted my daughter, who is a banker. She told me to call them back while she was on the phone because 30 days past due could be showing on my and my husband 's credit report. I called back with my daughter on the phone. She only mentioned that a negative mark could hit my credit. The rep then said it would violate privacy and I needed to go through a series of questions. I failed the series of questions and am totally unaware of some of the phone numbers they were mentioning. We called again and still the same process and I failed again. I do not feel it's fair that my credit be negatively impacted because I never received a bill after the bill I thought should have paid off the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This company was not authorized to pull my credit report on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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 explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with XXXX Credit Report act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have an inquiry from XXXX XXXX XXXX and XXXXXXXX XXXX on XX/XX/2022 that is not mine on my credit report. My credit report also shows an account opened through XXXX XXXX XXXX XXXX XX/XX/2022. The balance is {$0.00}. I have not been able to get in touch with anyone XXXX XXXX XXXX XXXX XXXX open account. In addition to these findings on my credit report, on XX/XX/2022, there was an account fraudulently opened through XXXX credit card. I was able to get in contact with XXXX credit and they have closed the account. I need all these accounts removed from 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 non-monetary relief
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
NEWINFORMATION:NOTADUPLICATESEEDATESOFLETTERSXX/XX/2019TRANSUNIONsentmeanewtheresultsoftheirinvestigation.AttachedNOTETHATTHEYREPORTINNACCURATELY.NOTETHATUNDERTHEFCRA,"IFNOTREPORTED100%ACCURATELYITHASTOBEREMOVEDIMMEDIATELY''EachaccountshowsaBALANCE.Balancecannothaveanamountonachargedoffaccount.ITHASTOREPORTASXXXX.

LettersfromXXXXXXXXdatedXX/XX/XXXX,XX/XX/XXXX,andXX/XX/2019allaskMEforsupportingdocumentationandstillcannotprovidemewithinformationI'verequested.

Furthermore,thedocumentssentfromthecourtswassufficientfortheotherbureausbutyetnotsufficientenoughforTransUnion.Maybethejudgewillloveawardingmemy{$1000.00}peroffense.

GETTHESEACCOUNTSOFFMYREPORTSTODAY!Youdidnotanddonotreport100%truthandthishasgoneonformonths!

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 2023-03-06
Company: SYNCHRONY FINANCIAL
State: AL
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 bought online with my Sams club master card from XXXX some gold coins on XX/XX/2023 and I paid XXXX dollars. The package was ahipped with XXXX  and it was supposed to be delivered to my house. Then on XX/XX/2023 the tracking number for XXXX showed that the package was delivered to my house. But I did NOT NOT NOT receive the package and I did NOT sign for it and XXXX was never at my house delivering anything that day. I contacted XXXX  and XXXX XXXX  and an investigation was opened on XX/XX/2023. Now its been more than a month and I still have not received a refund or a replacement or reimbursement .XXXX XXXX is refusing to pay and XXXX  has a bunch of thieves working for them and now I am out XXXX dollars and NO gold coins so I lost everything and I disputed the charge with my Sams club master card with synchrony bank and synchrony bank has done NOTHING to resolve the issue and they have not given me a credit for the disputed charge of XXXX dollars. I lost my money and I never received the package and I know XXXX  employees stole the package. I need to be refunded and reimbursed for the money I paid for an item I never received. Synchrony bank should refund me the money because I never received the merchandise. 
I have filed a police report for this theft by XXXX  and 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 monetary relief
Consumer complaint received 2018-02-12
Company: Ditech Financial LLC
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:
According to my credit reports, Ditech is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of Ditech stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to Ditechs fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted Ditech to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. Ditech assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that Ditech refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by Ditech, I also incurred a late payment fee by Ditech because Ditech refunded one of the duplicate payments without my authorization. I believe Ditech did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that Ditech refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of Ditechs unauthorized refund of one of my payments. 
I DID NOT REQUEST DITECH REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I XXXX XXXX XXXX HAD MY EDD BENIFITS STOLEN FROM.XXXX XXXXXXXX TILL XX/XX/XXXX. SOMEONE STOLE MY IDENTITY AND STOLE MY EDD PREPAID BENEFITS CARD AND STOLE ALL OF MY BENEFITS. BANK OF AMERICA CALLED ME TO IDENTIFY MYSELF IN THE BANK WHICH I DID AND FOUND OUT THAT MY EDD MONEY WAS STOLEN. I WAS DENIED MY CLAIM FOR BANK OF AMERICA TO RETURN MY FUNDS THAT QERE STOLEN. I HAD NO KNOWLEDGE OF THE PERSON WHONATOLE MY FUNDS NOR DID I GIVE NO ONE PERMISSION TO USE MY CARD OR ACCOUNT. I APPEALED THIS ON XX/XX/XXXX WITH EDD AND BANK OF AMERICA. 
XXXX XXXX XXXX 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 monetary relief