BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
Company: AMERICAN EXPRESS COMPANY
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 used my XXXX XXXX card to purchase business services from a company called XXXX XXXX. XXXX never provided me with any help at all or sent me anything, did not help my business, or file anything to help my business. When I complained, they sent me a refund minus {$9100.00}. They did not send me the entire amount because they said there was a 20 % fee for terminating the service early and for a " restocking fee ''. First of all, I never received anything to restock, and second they never did anything. Lastly, THEY were the ones who cancelled. 

I have filed several disputes over this with XXXX, and they side with the merchant every time because they have some forged agreement I never signed. My point has remained consistent ... if XXXX actually did perform any services ... there should be a paper trail with a shipping confirmation, proof of the business purchase setup ; registration and ownership transfer. I have brought this up to XXXX over and over and they have NEVER actually investigated nor received the aforementioned proof I requested. Every time I try to contact them about the dispute, I keep getting transferred over and over to different departments who obviously do n't communicate with each other or usually have any idea what I am talking about. Then like clockwork, in about a month ... they file in favor of XXXX after doing no investigation at all. I know this because for one, they have never shown me any proof of an investigation and because XXXX has the wrong address on my invoice ... so there is absolutley no way they shipped me anything. 

The original purchase was for {$40000.00} and XXXX refunded everything minus the aformentioned 20 %. Last month they refunded {$1100.00} but I am still owed an additional {$8000.00} Please help me, I have been disputing this for the better part of a year now with absolutley no cooperation or help from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Invoice ID : XXXX I received update for my case from PayPal on Sunday XXXX XX/XX/2021 stating that " we had to deny your claim ( s ). This decision was made because we received shipment tracking from the merchant confirming that the merchandise was delivered ''. I immediately called PayPal and the CS track the package nothing such as item delivered to me update. Instead, the update is package returned to the shipper on XXXX XX/XX/2021. 

Therefore, the CS reopen the case on XXXX XX/XX/2021. Same day with case closed and promised I will get my refund. The call also recorded. Please check. At the same day XXXX XX/XX/2021. The case closed again. Stating that I'm ineligible for buyer protection. 

To conclude the situation. Item returned to seller but PayPal lied that tracking shows delivered when its not. And after case reopen because of my appeal. Case close again and PayPal stated im ineligible for buyer protection. Which is so unethical and unacceptable. How come PayPal run with client money after receive package back? And after confronted that PayPal make excuse that item delivered when its not? And less than 24 hours close the case again and change the reason. 

Attached the email received from PayPal. Call recording with PayPal from XXXX XX/XX/2021, XXXX XX/XX/2021 and XXXX XXXX XXXX acknowledged item returned to the shipper. And promise of full refund {$2700.00}. PayPal also can check call recordings stored in PayPal data base Note : PayPal also record every call made to them for quality purposes. Therefore please CFPB to review the call recordings because call recordings i have is match with PayPal database

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Excessive overdraft fees, made by Wells Fargo even if it was {$1.00} that was short on a 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 2022-08-11
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX # 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 2020-11-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: MD
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:
Greetings There are several accounts on my credit report that fell into the charge off category. However, They was letter settled but the third party companies have yet held up their end of updated the account of being settled. 1. XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX settled {$590.00}, XXXX  ( XXXX XXXX XXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX settled {$440.00}, and XXXX XXXX XXXX XXXXXX/XX/XXXX settled 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband got sick with XXXX was layoff. We try doing a home modification and Wells Fargo never try helping us after paying the house for 20 years. We contacted a lawyer but the bank never try to help us stay with our house.

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 2022-10-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, Equifax and XXXX is furnishing negative items on my consumer report that's suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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:
2 U S DEPT OF EDXXXX is still reporting on my XXXX   account after I sent disputes after 45 days. Seems to be re added after being deleted from XXXX  and Transunion they also Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report Transunion - I Sent over my FTC report and called in they refuse to remove unauthorized inquires - I told them they were fraudulent they have not removed them. this is a VIOLATION of the FCRA section 604.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
unauthorized use of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 complaint has been ongoing with ONLINE INFORMATION SERVICE since XX/XX/XXXX, i have sent them various letters asking for verification in which they has not supplied, and i have also sent it to transunion to verified it since the debt collector can't.I haven't gotten any response from neither of them and this is causing me harm from getting any credit, car or home.I have sent Transunion another letter asking for verification on XX/XX/XXXX as well.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: GA
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 reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Kriya Capital, LLC
State: GA
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 previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I originally received my mortgage loan from XXXX XXXX XXXX in XX/XX/XXXX and I felt they were great. I did run into some hardships with them and was late on a few payments in XXXX but with there patients I got caught up in XXXX. In XXXX they sold my loan to Penny Mac. Penny Mac has been nothing short of fraudulent since then. 

In the months of XX/XX/XXXX, Penny Mac, my loan provider waited until after the due date of XX/XX/XXXX to process my payment and charged me a fee of approximately {$100.00}. On XX/XX/XXXX and XXXX the payment line of Penny Mac was down and I could not make a payment until the XXXX and they charged me another late fee of approximately {$100.00}. I called several times after that only to enter a phone tree in which I could never talk to anyone. When I finally talked to someone they said they would wave the fees in which they never have. I have called several times and Penny Mac representatives said they would wave the fee but they never have. 
In late XXXX I noticed an additional fee under other fees which was approximately XXXX dollars but continued to go up every month. I called several times to ask what it was for and never really got a good answer. Today, I opened my latest bill and the " Other Fees '' had reached {$24.00} so I called Penny Mac. The Penny Mac representative said the fee was because my Mortgage was delinquent from the XXXX incident described above and I would have to pay this fee to " have someone come to my house to make sure someone was still living there FOR THE LIFE OF THE LOAN ''. This is clear Fraud as no one has stopped by my house to make sure I am present. This is clearly Fraud because I was never late on my loan with Penny Mac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20
Company: BANK OZK
State: AR
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was involved in an online relationship with a XXXX XXXX. It was my understanding that a person was going to deposit money into my account on behalf of XXXX XXXX and I was to withdraw that money and send them to bill collectors as directed by XXXX XXXX. On XX/XX/XXXX {$9900.00} was deposited into my savings account at Bank of the Ozarks. On XX/XX/XXXX I went to the Bank of the Ozarks branch and withdrew {$2800.00} and {$7000.00} and sent the money to the places indicated by XXXX XXXX. On XX/XX/XXXX I made another withdrawal for {$120.00} and also sent that money to the places indicated by XXXX XXXX. I have records of each place the money was sent. 

On XX/XX/XXXX I received a call from the bank branch manager, XXXX XXXX. She asked me to come to the bank as we had a problem. When I got to the bank she informed me that the check for {$9900.00} was charged back to the bank. I inquired as to why the funds were released to me, the bank should have some sort of safe guard in place for things such as this. XXXX XXXX stated that the bank does but she was n't sure why the hold was n't placed on my account and that the teller that gave the money to me had been reprimanded. XXXX XXXX called me a thief and threatened to have me arrested and thrown in jail. She tried to force me to sign an agreement to repay the money. I refused, left her bank branch and contacted a lawyer. The bank as since turned me over to a collections agency. 

I was advised by my lawyer to file this complaint as the bank is at fault for not having safe guards in place to avoid things like this from happening. I also filed a police report with the XXXX Police department Incident # XXXX. 

I did not profit/benefit from this, I now know that I am a victim of a scam artist. 

Any assistance with this matter is greatly appreciated. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing to bring to your attention a troubling experience with my PayPal Credit account. 

Today I logged on to check my balance and schedule a payment and observed that on XX/XX/XXXX, two prior payments for {$1100.00} and {$500.00} were removed from the account. The transactions are listed as " adjustments-payments. '' I made those payments on XX/XX/XXXX and XX/XX/XXXX, respectively, at which time they were deducted from my personal checking account and transferred to PayPal. 

When I called ( today at XXXX XXXX CT ) to figure out what was going on, the PayPal representative told me that these transactions were part of a " remediation '' and he would read me a prepared statement. The statement explained that a PayPal coding error caused the service to demand unusually and incorrectly high payments from customers in order to avoid deferred interest. 

This is true, these XX/XX/XXXX and XX/XX/XXXX minimum payment amounts were massive compared to my usual account management. For context, my minimum required to avoid deferred interest this month is {$38.00}. 

The statement said that in order to fix the problem, PayPal reversed the payments and reapplied them. The statement specifically says " no communication was sent to the customers. '' My account does not show that the payments were reapplied by PayPal -- though my bank never received a refund, so I hope that they have applied the payments I made to the balance due. I 'm not sure how to determine if this is now correct on the account, as the representative brushed away my concern that everything is " fixed. '' Even if correctly applied, it is important to note that I would never have made such large payments if they were not demanded as minimum required payments. 

Finally, I find it extremely troubling that PayPal 's policy was to hide this entire happening from accountholders instead of advising us of PayPal 's own service error and advising us to check our accounts for accuracy. I only became aware by coincidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Paypal Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX/XXXX/XXXX I received a message from my Bank listing two transactions from PayPal. 
Paypal debited my account for XXXX and the XXXX debited my account for XXXX. 

I called XXXX and they credited my card back on the spot. Then I called my bank to have the card blocked. And told them about the XXXX charges. The bank said they would contact paypal. 

Since it was after XXXX on XXXX. I got on the internet to contact PayPal.They gave me the run around and would not tell me who used my card and why. ( I have email transcript ). The unauthorized user of the card had more rights than the owner of the card in there eyes. 

On XXXX I called PayPal, They took me thru a series of questions before they would tell me who used my card. Then Paypal said the would issue me a credit back on XX/XX/XXXX. PayPal also stated they have no way to protect my card information what another user list it as their payment method. WOW! This is enabling people to still. 

Problem for Censurers : - No data base check to see if existing credit card is on file. Before a new payment ID is established. 
- New/existing user requesting to add new payment method should have to verify existing credit card information and it should match. Before access is granted. 
- Existing card holder should be notified that someone else is attempted to add there card for use. 

If PayPal can verify user id and email address, they should run a check on their data base to see if the payment method is existing. 

Resolution : I want the person who stole my credit card information to be PROSECUTED ASAP. 
The broke PALPAL service agreement and committed a crime. Also I know this person soled or shared my card information due to the other transaction. 

PayPal and XXXX need to launch an investigation on how they allowed this user to INFILTRATE their data base to gain access to their customers financial information without having to verify there identity. 

I want my money back XX/XX/XXXX not XX/XX/XXXX. This breach has caused me high level of stress, a firm dis trust for both their services. I am a nervous wreck, because I dont know what other personal information he mayve obtain thru PayPAL/XXXX negligence to protect my data on their data base. PayPal and XXXX need to held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: LA
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me numerous times every day, when I answer they hang up and dial again, I called 2 times and asked them to stop they have called 20 times last week

Company response to consumer: Closed with non-monetary relief