BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I attempted to purchase 1 set of tickets from XXXX through my PayPal account and I was charged twice due to a fluke in the system. With my bank, I stopped payment on the duplicate amount. My account balance reflected negatively with PayPal {$430.00} and I disputed the amount with PayPal because of the duplicate charge and never receiving the tickets from the order. The dispute was won in my favor and Papal received the chargeback of {$430.00}. 

I have many transactions coming in and out of PayPal and I am unable to utilize my checking account as they have restricted it. I have been a customer with PayPal for over 11 years, since 2011 and I have used the same checking account that is now been blocked. I do not have repeat patterns of abuse and I can not even pay my upcoming bill with my checking account, which is due XX/XX/XXXX. 

I was advised to borrow money from a friend to put in my PayPal balance or link a new checking account in order to pay my bill. I have over $ XXXX-XXXX  worth of transactions going in and out of my account. This is an inconvenience and I don't appreciate it since I disputed the transaction and won. I don't believe I am treated fairly as I have been a customer for over 11 years and nothing like this has ever happened. I would like PayPal to reinstate my personal checking account so, I can pay my bills and conduct business. 

In addition, I have called a few times and no one at the company is taking a payment for my upcoming bill. This will cause late fees and ultimately a report to the credit bureau. I was not offered alternative methods for payment. Also, I have other bills coming out of my account connected to my checking account, such as XXXX, XXXX, XXXX, which is also connected to PayPal and those payments have been coming out with no returns for years. Please help me CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: First Data Corporation
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Applied for " XXXX XXXX '' payment processor on XX/XX/2017 for my business that I started that same year. 

I was really excited when I came across their advertisement somewhere online. 

Signed up and Finished the process of setting all my information up to get the technology that I thought was going to be sent to me. All I remember with signing up with this company was that as soon as I finalized everything I received 3-4 emails stating I was " denied '' NOWHERE in any terms of agreement was there anything stating that this service was ever going to ran through my credit. I was furious comprehending that I basically " applied '' for a payment processor. 

I called the company immediately and ofcourse they said nothing can be done for me. 

I then looked at my credit karma app to see I had a hard inquiry for basically nothing.

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 2017-10-26
Company: JPMORGAN CHASE & CO.
State: WA
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:
Chase mtg reporting account XXXX as XXXX owing and 120+ days past due. It reports open X/2007 with no credit limit but a payment of {$260.00} and XXXX balance. I have never had an account with Chase mtg with this information ... unsure if it 's error or somebody else 's account. needs to be removed from all 3 major reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX reporting mortgage is 120 plus days past due, account is current and in good standing

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 2022-04-01
Company: Upgrade, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Upgrade has me currently on a high interest loan. Payment is really high with minimal impact to the principle. I request to file a hardship to reduce the APR but they do not do that. They only will lower the payment amount each month but will not lower the APR. however the difference from the original monthly payment will be tact on at the final payment making it a very large payment to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My wife and I initiated a loan on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX in XXXX. This was an interest only loan, and it had an expiration date of XX/XX/XXXX. Payments were all made on time and without delay from XXXX to XXXX. 

We are currently disputing the charge that we were delinquent with Bank of America ( BOA ). XXXX years into a 15 year interest-only mortgage, they maliciously removed us from autopay in XX/XX/XXXX. They erroneously stated I was delinquent in a letter on XX/XX/XXXX, and was not eligible for their autopay service, which is in violation of their pay plan contract. They ( BOA ) discontinued the autopay service. Once I was made aware XXXX weeks later, I made all accounts current immediately. We have subsequently paid off this mortgage in it's entirety in XX/XX/XXXX. 

Please note our defense is as follows : My credit union statements demonstrate on-time payments prior to them removing me from autopay. 

Additionally, I am working as a first responder, in the capacity of an emergency room physician, credentialed at XXXX public health service hospitals. I have been traveling extensively via automobile over the past XXXX years during the XXXX crisis, and I have not been able to be home regularly to receive my mail. It was only after Bank of America generated the stop payment that my loan went into arrears. I was never notified via text, email, or phone regarding this change of autopay, and only received their letter when I returned home 23 months later. 

Because of my loan being entered in arrears, my credit score was significantly damaged and I was unable to refinance the loan prior to its closure. We have suffered damages in that we had to liquidate a retirement account ( XXXX XXXX ) and pay tax penalties to pay off the mortgage balloon payment as my credit score had been so heavily damaged by Bank of America.

I did not know about or approve being taken off the auto pay plan ( BOA PayPlan ) in XX/XX/XXXX. BOA removed me from their auto pay plan when I was XXXX months out from completion of my interest-only mortgage. Their bad business accounting practices have made it difficult to uncover the errors.

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 2017-10-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing is the mortgage servicer of the loan that we have with XXXX XXXX as the note holder. My wife and I received a federal loan to help us decrease our loan because we were upside down and we received a mount for XXXX that was sent to Select Portfolio service to put toward the principle. Once they did receive the check we asked if they could reduce our monthly mortgage payment and they said, " No. 
They claim that they had already done amortization and that they could not lower our payment. If they only service the loan then why are they acting like a bank and making decisions for XXXX XXXX. They SPS are taking in money for banks and modifying loans but they claim not to be able to lower monthly payments for the consumers that in up with this loan servicer. How can this be and this has to be illegal. So many consumers have had similar issues with SPS and they should not be allowed to be in business. 

Thanks, XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 XXXXXXXX

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 2017-10-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a BMO Smart Advantage checking account at BMO Harris on XX/XX/XXXX.  When I signed up I used the promotion code to receive a {$200.00} bonus for opening the account after making two $ XXXX direct deposits withing 90 days. I sucessfully met these requirements after a direct deposit of {$300.00} on XX/XX/XXXX and another {$300.00} direct deposit on XX/XX/XXXX.
On XX/XX/XXXX ( after not receiving the bonus yet ) I contacted BMO Harris about the status of my bonus and was told that I did not qualify for the bonus because I do not live in one of the targeted states as part of the promotion. The issue with this is that when I signed up for the promotion there were no state requirements, this has only been recently added. Due to this I still deserve the {$200.00} bonus.
Thanks for your help!

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 2022-04-01
Company: Experian Information Solutions Inc.
State: AZ
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2017-07-28
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an account and store card with QVC and placed XXXX orders with QVC on XX/XX/2017. The order numbers are XXXX and XXXX. I logged in to the website on XX/XX/17 to track my shipment and was unable to log in, so I contacted customer service who said they would research the issue. I found out today XX/XX/17, that my account was cancelled by their corporate office because someone who used to live at my address has a past due balance with their company. The person they are referring to is not me or my spouse and does not live at my current residence, but they are refusing to allow me to use my store credit card or make any purchases with their company until this other person pays their bill. I tried to work with them and advise them that I am not legally responsible for this person but they told me that it did not matter and they would not help me. The service supervisor that I spoke to was extremely rude and did not seem to mind that it was illegal to hold me responsible for someone elses debt and refused to reopen my account so that I can use my existing credit line. I still have the open credit line with them and I am not sure what to do as they will not allow me to use it or any other method of payment.

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 2017-07-06
Company: JPMORGAN CHASE & CO.
State: FL
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 placed an order with an online merchant, XXXX XXXX ( XXXX ), through their website on XXXX XXXX, 2016. The merchant immediately charged my credit card in the amount of {$2100.00}. I have not received any good or services from the merchant, nor have I been contacted by them. I have attempted to contact the merchant via phone and email to inquire about the transaction and have not received any response. I have also contacted my credit card company, Chase Bank, and they refuse to dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Peer Advisors, LLC
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I had water damage to my floor and my insurance company sent me a check for {$14000.00} for my claim to repair my floors. I submitted the packet of paperwork on XX/XX/22 to Celink, the company my mortgage company hired for Loss Draft issues and insurance claims. The paperwork included the check I endorsed as they requested. I called them about a week later to make sure they received my tracked documents I sent via XXXX. They said they did but didn't receive my check. I got very angry as it was in the packet. Then they told me they found it. Supposedly, they open an escrow account to place the money in until my repairs are all completed and all paperwork filed. On XX/XX/22, my paperwork and inspection were all completed and Celink verified this.Then they said that it takes 5 days for the paperwork to be examined and then 10 days after that to process the check.When I called them XX/XX/22, they told me that the 10 days for them to send me my check would be XX/XX/22. I called on XX/XX/22 and they said that it was being processed. I asked to speak to a supervisor and her name was XXXX. She told me that my check would be mailed on XX/XX/22 and I would be able to put it in the bank on XX/XX/22. I have a tracking number for XXXX but there is no action on this yet and it is XX/XX/22. I reviewed this company online and they have bad reviews and complaints. I called on XX/XX/22 and they told me it would be another 3-5 business days. I have complied with all of their requirements and they won't release my money that is mine. I feel I am being scammed and I need some help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had few conversations with Capital One regarding my credit card. They have so many people calling from the executive office. I speak with someone and they tell me they will get back to me and never do. They randomly throughout the day as if they know that I am not at home. I have spoken to Capital One about the high interest fee on the second credit card that I did not want. I wanted an increase on the first credit card but Capital One denied the increase and stated that I had missed a payment even though my payment history was good. After I contact CFPB, Capital One only contacts me once about the matter of the extremely high interest and fees.They then send me paperwork in the mail in which I already can access on their website which does not solve my problem. The interest and fees are ridiculous!!! 

I would like to speak to someone more than once about this matter and finally come to a resolution!! Contacting me once and sending paperwork that I can access on the website does not solve this matter!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My husband ( who XXXX on X/XX/17 ) had a Discover Card that was unbeknownst to me. A collection agency has contacted me for the balance of the debt. I was not aware of this card and from what I understand on my credit reporting file by the major agencies I am listed as " an authorized user ''. I have never used this card. There are no transactions that have my signature on them. I was not aware of this card until contacted by the collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
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:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXX XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im stressed because my consumer profile is vital in todays world, I cant get a second job to support my family due to these fraudulent accounts and unauthorized inquiries. I filled out an Identity Thief report see enclosed.

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