BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-14
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
There was this girl who had said to send {$40.00} on Saturday, XX/XX/2019to a PayPal account at XXXX. Then, upon completion of the payment proceeds to tell me that, oh yeah sorry that was a mistype, the real Email is, XXXX told me to just resend it to that one. But the payment already went through to the other Email, which I'm assuming is still hers, and I can't cancel it or get it refunded at all ... Paypal hasn't taken any action as they take forever to get back to people about serious problems like this which is incredibly unfair ... ..I need that money back, this is not ok ... Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
Kohls/Cap One XXXX - This account is past the statute of limitations and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Yes i had accounts with paypal and XXXX a sub company of Paypal .. well a lil over a year ago on XX/XX/XXXX on my XXXX account i received a payment transfer of XXXX dollars then XXXX and finally another XXXX dollars bringing my balance to XXXX dollars .. so at that point i tried transfering it to my bank account like normal .. i received my confirmation for both transfers and was even provided a date for when my funds would be available in my external account .. well a day after i made the two transfers i tried logging in to find my account had been frozen i immediately call XXXX support to find out what's going on. Theb only answer I'm givin is an account specialist will be in contact a week later i receive an email stating my account will remain closed and they have no further information .. i continue to call for months but to receive the same answer.. a year later i get an email stating i can log on to my account but to only transfer my funds to my bank .. however upon logging in i still see the initiated transfer i made but then see a notifaction that says paid to XXXX before account closing .. and yet there was XXXX dollars in my about from the same balance .. when i ask there support what happened to the XXXX remaining from that Balance they say it was sent back to my balance yet there's no transaction no record no proof only a notifaction saying they took my money and paid themselfs with it. And now paypal had done the same thing closed my account for receiving a. XXXX cent payment denying me access to the funds from my account yet continue to take my money and the reason im giving threw email shows i tried to make transfer to my bank account that faild. So under no circumstances would that give them any rights to take it yet they've done so twice and more continues to come out of my balance as time go one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I received a copy of my credit report from XXXX  and Transunion and notice false and inaccurate information that they documented on my file they maintain under my Social Security Number. It states that the XXXX XXXX XXXX XXXX Wisconsin reported to them and/or are the furnisher of a bankruptcy on on my credit file. On XX/XX/XXXX I sent a letter to the XXXX COURTS OF XXXX XXXX XXXX XXXX  requesting their procedures of verifying records with the credit reporting agencies. On XX/XX/XXXX I received a letter back from the courts stating that they DOES NOT report any information to ANY credit reporting agencies. On multiple occasions I have sent certified letter to all 3 credit bureaus asking them to provide me documentation from this court validating this information, while at the same time reminding them that you CAN NOT document false and/or inaccurate information on my credit file that they maintain under my Social Security Number. On XX/XX/XXXX I sent another certified letter asking again to validate it, while reminding them of the same. On XX/XX/XXXX received a letter yet again as verified as accurate. This completely false and inaccurate.

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 2019-04-14
Company: Penn Credit Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a dispute to XXXX XXXX XXXX XXXX disputing the reported amount due from PENN CREDIT CORP # : XXXX. The reported amount is {$2900.00} however I have a statement from XXXX that reflects an amount of {$2400.00}, a {$500.00} difference. XXXX removed this from my credit report however XXXX XXXX investigated & the negative report will remain in their database. I'm disputing this inaccuracy & requesting this incorrect information be removed from my credit file through XXXX XXXX. I've attached a copy of the statement from 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 2020-10-11
Company: Bridgecrest Acceptance Corporation
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Bridgcrest I have XXXX  XXXX XXXX that is XXXX behind I tired to work it out with them and they want my car and not trying to work with me with situation

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 2020-05-05
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I attempted to transfer XXXX XXXX dollars ( {$1000.00} ) from XXXX XXXX   through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX  XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, XXXX, XXXX  XXXX XXXX and Citi Bank ). My visit to XXXX  XXXX XXXX, information disclosed that the money was sent to Citi Bank. We have never had an account with Citi Bank, so we tried to reach out to Citi Bank and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that Citi Bank was involved but could not and would not give me any information regarding the money being sent to Citi Bank. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX  in that matter. All of the claim agents from XXXX XXXX  was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.

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 2019-08-08
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I have a Chase credit card, in which I always pay on time, in the credit reports XXXX, XXXX and XXXX XXXX appear as negative status this Chase credit card because they have registered late payments on XX/XX/XXXX and on XX/XX/XXXX. 

I have this credit card since XX/XX/XXXX to present, and I never paid late. I do not know way the have this late payments register on the sistem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Utah System of Higher Education
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: Public record information inaccurate

Complaint:
XXXX is reporting debts I do now owe. They are continuing to report a balance, they were included in Bankruptcy Docket # XXXX. XXXX is in clear Violation of the Bankruptcy Law and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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:
To whom it may concern : My name is XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX and I am not working with or have I been influenced by any 3rd party or credit repair entity. I have attached my full complaint for review.

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 2021-05-04
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX I deposited over {$15000.00} into Binance.US and have accumulated over {$60000.00} in profit with my investments in NANO/USD VTHO/USD AND DOGE/USD on the platform. I am considered an advanced verification level user which means I should be able to withdraw XXXX per day as of their terms. Recently and suspiciously Binance.us switched my verification level to unverified and asked me to accept these new terms and conditions, well now its been weeks and my account says pending verification and it does not allow me to withdraw my funds, but or sell any currency. My money is locked. I have submitted tickets asking them to release the hold that is unjustified, no response. Thousands of users report the same thing on XXXX. I have missed out on XXXX + profits this month alone due to not having access my trading account. I pay my regular bills with my account, over XXXX. I am at risk of losing all of my assets due to not having access to my funds and being late on bills. This is causing me great damage and stress. This has happened on XX/XX/2020 and my ticket number is XXXX account email XXXX User ID at Binance.us XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went to purchase a vehicle at XXXX XXXX, I put XXXX down.I never signed papers when I came back to sign paperwork & get registration ect. They were shut down. Now I have a finance company that says i owe XXXX  /m 34 months sent me contract i didnt sign. They were got the car due to breaking down in the pound. Westlake financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am receiving emails threatening to sue me as well as charge me with Bank Fraud Violation of Federal Law of Debt and Banking. Intentional Theft by Deception. 
I've never received anything in written handwriting only an email. I had XXXX on this quite a while ago about a year ago XXXX XXXX and now we're sending me threatening emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: MNE Services, Inc
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX from XXXX of XXXX called me claiming I owed a debt, which I do not, from an online loan. He began calling my work number and then continued to call the main switchboard at my work after I told I would not pay a fake debt. He called over 100 times in 20 minutes and brought down our phone lines. We are a XXXX so this can not happen. They continue to call from an unknown number which our IT dept can not block.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
In the year XXXX I lost all my documents, my emigration papers, driver 's license and social security from my self and my kids, I notify the Emigration Department and I realized in one of his appointments that other people were using my identity and that of my youngest son, in XXXX XXXX someone used my identity and that of my son who at that time was under age to register in a store for a marriage ceremony. I now observe that I have many accounts in my credit and addresses that do not belong to me, and 14 requests for cards and applications denied in my credit history, On XXXX XXXX, XXXX the Department of Emigration and Naturalization granted me a permanent parol to solve my problem ... that document I am including in this letter. 

Thank you. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
In the year XX/XX/XXXX I lost all my documents, my emigration papers, driver 's license and social security from my self and my kids, I notify the Emigration Department and I realized in one of his appointments that other people were using my identity and that of my youngest son, in XX/XX/XXXX someone used my identity and that of my son who at that time was under age to register in a store for a marriage ceremony. I now observe that I have many accounts in my credit and addresses that do not belong to me, and 14 requests for cards and applications denied in my credit history, On XX/XX/XXXX the Department of Emigration and Naturalization granted me a XXXX XXXX to solve my problem ... that document I am including in this letter. 

Thank you. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: CITIBANK, N.A.
State: MI
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:
This is a continuation of a previous CFPB Complaint under Case # XXXX. Please refer it for detailed background description. We are very satisfy with the XX/XX/XXXX letter response from XXXX XXXX of Citi Execute Response Team. The letter is attached for your reference. 

However, the XX/XX/XXXX charge in dispute is reappeared on our bill on XX/XX/XXXX. The statement file is attached for your reference. During the period of XX/XX/XXXX - XX/XX/XXXX, we received ZERO communication from Citi. From XX/XX/XXXX to now, we have made numerous phone calls to Citi and received ZERO promised return phone calls. This is in direct contradiction of the statement in XXXX XXXX letter : " Should the merchant provide documentation to support their claim, we will contact you at that time to discuss the details of their response. '' As we are the direct witness of the Merchant misrepresentation, any falsified documents or statements from the Merchant in this dispute can be easily uncovered by us. All it needs to take place is for the Citi investigator to communicate with us during the dispute, just as XXXX XXXX stated. The promise from Citi executive team is nice, but it seems that it doesn't translate into actions for its investigators. 

Based on our experience, Citibank has many good people working hard to do the right things for its cardholders. But its investigation team appears to have the culture of ignoring or presuming guilty on claimants. They make the Citi slogan " Citi is with you before, during, and after every purchase '' a bad joke.

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 2020-05-05
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've tried many time to get them to validate this debt and never got a response and continues to report. I even sent a certified settlement letter last XXXX and still did not get a response, however they removed the account from XXXX  & XXXX  but NOT XXXX. They continue to report to transunion every month and need to have this taken care ASAP. 

Attached is a copy of the Certified Postage that it was received and a copy of the settlement letter.

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 2018-03-22
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX is reporting my mortgage account XXXX paid 90 days late in XXXX of 2017, the money was taken directly out of my bank account each and every month prior. I attempted to start a refinance on more than one occasion and this error is preventing me from refinancing. They took over the servicing in XXXX of 2017 and I've had headaches ever since. I have attempted on multiple occasions to have them correct this error. They have always received the principal and interest payments and should not have reported my payments late. My credit is now being ruined because of these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Tuesday XX/XX/XXXX I was alerted by my husband that all of our funds from the joint checking account which I am not the primary account holder was missing over {$400.00} that was auto transferred to another account. I immediately logged into my online account and noticed that Bank of America decided to cover a charge from XXXX that was not authorized and saw a long line of fees that the bank was trying to charge me. I was already in the works of disputing other XXXX charges and was not alerted of this transaction. I have called multiple times to get this resolved to no avail. either I am put on hold for long wait times or am told that the account is set up with overdraft protection, which it is not because I have logged in and saw that was false information by the .customer rep. The two accounts are not linked and now I am without money for my child 's daycare because someone at BOA decided they were going to make a deposit on my behalf.

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 2019-04-14
Company: EQUIFAX, 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:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX  XXXX

Company response to consumer: Closed with explanation