BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: AES/PHEAA
State: VA
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:
FedLoan Servicing is reporting a wrong status on my credit report by saying that I'm 120-149 Days Late on a section of loans with them ( {$49000.00} ). This is false because onXX/XX/2019 I was granted forbearance by FedLoan Servicing that covered the time period that they are saying I'm delinquent ( XX/XX/2019-XX/XX/2019 ). On two occasions, two customer service people that helped me with this forbearance process told me that once it's approved, they will contact credit agencies to remove the delinquency reporting. Then after it was approved, customer service people are now telling me they will not remove it. So, on XX/XX/XXXX I filed a dispute with XXXX and XXXX detailing this issue. XXXX completed their investigation and it seems that FedLoan Servicing is still refusing to remove the false delinquency reporting from my credit, as it is still on my credit as of today. This is ruining my financial life, in that my credit dropped exponentially and will now not be able to get a loan for a car that I need to get to work and will cause me issues when trying to get approved for the next apartment I need to rent from. This makes no sense to me, as I even have a credit reference letter generated by FedLoan Servicing that states I am 0 days delinquent on all loans with them. My account is current with a {$0.00} balance and I have no payment history with them because I've never had to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Paypal Holdings, Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The IRS transmitted my Economic Impact Payment for a total of {$1200.00} via direct deposit into my checking account with PayPal on XX/XX/2020. According to PayPals terms the government direct deposit may not post to my account for 3 - 5 business days. It is now XX/XX/2020, which is 8 days since my deposit was transferred from the IRS to my PayPal account. There is still no pending or completed transfer on my account. I have reached out to them, but have not had any response or contact from a representative about my current situation. I have waited patiently for 8 days for the IRS direct deposit payment to post to my account, but the PayPal company has fraudulently held my money for a far longer extended period of time than was expressed in the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: NCB Management Services 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: Account status incorrect

Complaint:
I had an account with Rise please reference RE : XXXX XXXX ; CFPB Case # XXXX. I paid the amount owed in total to NCB Management Services with the understanding that they would not report anything to the credit agency. This debt has been paid in full and I would like to have it taken off my XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX, 2017 I awoke to an email from PayPal as a receipt for a purchase to XXXX the night prior to account XXXX, the issue was that this was a fraudulent charge placed on my account to which I contacted PayPal within 2 hours of the email being sent to notify them, and dispute the charges since this was clearly a fraudulent charge.
Four days later on XX/XX/XXXX I received an email from PayPal stating that they had attempted to withdraw money from my bank account for the fraudulent charge, but was denied, causing an overdraft to my bank account, only to once do the exact same thing again onXX/XX/XXXX causing the same reaction of another overdraft for the exact same fraudulent charge costing me {$63.00}, for a {$21.00} fraudulent charge.
Over a month later the company finally declared that I was not responsible for the fraudulent charge and reimbursed my PayPal account for the amount of the fraudulent charge, but after a number of attempts at contacting them, has failed to address their numerous actions of attempting to fraudulently withdraw funds from an account without the permission of the owner.
The moment I informed them onXX/XX/XXXX that the charges placed on my account were not made by myself, and an investigation had been started, the company should have taken the step to protect the customer from any further damage to their account or those connected to their services by not attempting to process the fraudulent charges though other accounts the customer has entrusted PayPal with. Instead of protecting the customer the company shows a direct lack of concern for the those that have entrusted them with their information, placing profit over consumer protection.
These actions are unacceptable and should not be allowed to be carried out by any company big or small. The reason as of why they even attempted and then continued to collect on a claim that had been declared fraudulent is beyond my understanding, but PayPal should be forced to answer for their actions, as I am sure I am not alone in having these activities occur to the accounts linked to their company.
The companys actions on XX/XX/XXXX transaction ID XXXX when they attempted to refund XXXX to my bank account displays that they were fully aware of their actions and the mistakes that had been made, through a lackluster cover-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On each one of these times, I have reached out to WFDS letting them know that there is an authorized late payment on my closed account. I do not approve of this late payment and I had a really good payment history on this closed account. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact, exist.

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 2018-02-11
Company: EQUIFAX, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX is reporting high incorrect balance, they are refusing to allow me to close my account, even though I have paid them in full. They are adding more fees and keeping my account open even though I paid them in full. They are breaking the law and affecting my credit report and reporting false information to keep my account open. I do not owe them money period. I paid these accounts off in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: LA
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:
There are items on my credit report related to fraudulent activity. In XX/XX/2021, I began dealing with this tragedy after much research. Completing the FTC was my first steps in trying to have this issues resolved. Presenting just this document to the credit bureaus only got me ignored. So to get better answers I turn to CFPB to help resolve my issue. Never have I applied for anything with this creditor. My authorization was not given to have this account opened. This account was open fraudulently and should be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep receiving calls from Transworld Systems Inc. for a debt not owed. I was being balanced billed by the XXXX XXXX and the claim was ultimately paid by XXXX. Under FL statue 641.3154 ( 1 ) " If a health maintenance organization is liable for services rendered to a subscriber by a provider, regardless of whether a contract exists between the organization and the provider, the organization is liable for payment of fees to the provider and the subscriber is not liable for payment of fees to the provider. 
( 2 ) For purposes of this section, a health maintenance organization is liable for services rendered to an eligible subscriber by a provider if the provider follows the health maintenance organizations authorization procedures and receives authorization for a covered service for an eligible subscriber, unless the provider provided information to the health maintenance organization with the willful intention to misinform the health maintenance organization. 
( 3 ) The liability of an organization for payment of fees for services is not affected by any contract the organization has with a third party for the functions of authorizing, processing, or paying claims. 
( 4 ) A provider or any representative of a provider, regardless of whether the provider is under contract with the health maintenance organization, may not collect or attempt to collect money from, maintain any action at law against, or report to a credit agency a subscriber of an organization for payment of services for which the organization is liable, if the provider in good faith knows or should know that the organization is liable. 

This agency continues to report incorrect information on my report. pls remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with Coinbase for crypto currency trading. One of the reasons I chose Coinbase was because it is US based and offers FDIC-backed insurance. On XX/XX/2021, my Coinbase account was hacked. Coinbase has no phone support and only provides email support to it's clients. I opened several tickets with their customer support since XX/XX/2021 but they didn't act promptly. Most of their responses just automated responses. They didn't show any seriousness in looking into the incident. I reported the matter to the U.S. Securities and Exchange Commission ( SEC ) and Attorney General office. SEC adviced me to also report this to your office, hence I am writing this email. 

Finally, on XX/XX/2021 my access to account was restored but Coinbase disabled transactions on my account. No withdrawals are allowed. I have opened several tickes since then. I am so frustrated with Coinbase that I want to close my account and transfer my funds to another company. My hard earned money is being held by coinbase. But, since Coinbase has disabled all my withdrawls, I am not able to do so. I have close to {$10000.00} in my account and Coinbase is not allowing me to access my account.It should be illegal to stop customer access to his funds for so long and provide no update. Since time is of essence, I am seeking your intervention so that Coinbase takes this matter seriously. 
Here the some of the tickets I opened with them regarding issue with withdrawls : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Leaving harassing messages on my cell phone, work phone and my mother-in-laws phone about a debt I do n't know about. Telling me this is my final chance to resolve this issue. Never received anything in the mail regarding this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019, I had a television and internet service account with XXXX XXXX XXXX for several months. Not satisfied with their service, I called to cancel the account. I spoke with an XXXX XXXX XXXX rep over the phone who closed my account with no balance due and mailed me a shipping label to return my equipment. I shipped my equipment and the tracking number showed received. Several months later I start getting messages from XXXX XXXX XXXX that my account was overdue. I tried to tell XXXX XXXX XXXX my account was closed and that my equipment had already been returned. I contacted XXXX XXXX XXXX several times to explain the situation to them, however, they kept simply ignored my facts and asked for payment. After a few more months, XXXX XXXX XXXX sent the account to collections which I disputed as not due. When I disputed the account, the credit reporting agency agreed with us and removed the collection. XXXX XXXX XXXX used subversive actions by reporting the disputed collection to another collection company which would then show up as a collection on my credit. I have disputed this same disputed collection multiple times for over 2 years from different collection companies and each time the credit reporting bureau has agreed with me and removed the collection. I need assistance in telling XXXX XXXX XXXX to stop moving the disputed collection to a different collection agency each time I dispute the collection and have it removed from my credit by the credit reporting agency. At this point XXXX XXXX XXXX is harassing me without due cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have multiple late payments due to financial hardships in XXXX that have yet to have fallen off my credit report. I was a new worker with XXXX  stress due to my personal XXXX  disorders. I had been laid off and had some immense struggle finding new work, as well as family issues. It was truly an awful time. I am really sorry about my lack of communications due to my XXXX  and so greatful that CapitalOne gave me a chance despite such egregious late periods. I would like to request that due to my 6, going on 7 years of never missing a payment with CapitalOne that you guys please remove those late payments. I have turned over a new leaf and would like to ask for a good-will letter to understand why that happened, get back in good graces with you guys, and remove these awful marks from my credit report. 

Additionally, I would like to improve my cards with you guys. I have 2 cards and have for years, but one has a nasty annual fee. I'd love to see about removing that AF, or even a product change. I haven't had much luck with customer support about improving these cards, mostly due to the score hit from the mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am an international Bank of America customer living in XXXX, XXXX. 
On XX/XX/2021, I was victim of an electronic fraud with my Bank of America debit card in several business entities in XXXX, XXXX of XXXX. Five charges for a total of US {$11000.00} were made in a few hours. Bank of America only properly alerted me on one of the charges at the moment it was requested, ( and asked me to approve or reject it ) which I inmediately rejected. The fraud report was made the same day of the events, however, Bank of America has failed to protect me as a customer and reimburse the fraud amount, on the presumed basis that the charges were properly approved, which is not true. 
I am making this report prior to filling reports within XXXX and US Police Departments.

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 2020-05-17
Company: AXOS FINANCIAL, INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/20 HR Block refused to close my Emerald Card ending in XXXX, & dispute # XXXX in a fraudulent attempt to charge inactivity fees. Emerald card sent confirmation email based on dispute closure they refused to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: MacDowell & Associates, Ltd.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX,2017 checked my XXXX account saw a lien wage in the amount of {$190.00} did n't know who the company was, my job XXXX XXXX XXXX printed out documents I proceeded called the company the receptionist told me I need XXXX got on the phone very rude ... I speak say a cumming swear word she oh no mama you swear and hung the phone up in my face I called back receptionist laughed transfer me to XXXX again she did n't answer calls.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  is not my account this was proven to be a part of the XXXX  data breach it was deleted by XXXX  from my XXXX  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 2018-07-09
Company: CITIBANK, N.A.
State: NJ
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:
CITICARDS CBNA XXXX XXXX DISPUTES XXXX XXXX, SD Has added " Consumer disputes after resolution ''. I NEVER disputed anything. I have asked Citi bank to investigate and they confirmed that they did not put this comment. This is impacting 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 2018-04-06
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I entered into a contract with XXXX XXXX to settle several of my credit card debts, including one with XXXX. XXXX XXXX successfully settled this debt in XX/XX/XXXX. About two weeks ago this debt showed up as a collection on my credit report. When I contacted XXXX XXXX they confirmed it had been paid. They have been working to clear up the problem and said that the collection agency that reported it was Second Round LP. Today I received a phone call, not on my phone but on my sister 's phone ( my secondary phone number ) from someone saying they were from Second Round and they wanted the last four digits of my social security number for identification purposes. I would not give it to them. I told them this debt has already been paid, should never have been put in collections or on my credit report, and would be reported. They said if I would just give them my social security numbers they could help me. I refused and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Wells Fargo advertised confusing covid19 forbearance. Was taken off forbearance early, and with no notice. Resulted in a late payment being reported 30 days late as I was unaware payment was due. When I complained to executive office, XXXX XXXX responded by saying Wells Fargo wouldn't help me remove the late payment, and would in fact add a second late payment. This felt like extortion. The card was secured. Why wasn't the account closed if I fell behind? I also requested information about any federal agencies Wells Fargo reports to to file a complaint, but they refused to disclose who they report to.

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 2019-11-15
Company: KEYCORP
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am attempting to improve my credit score so that I can refinance my private student loan to lower my monthly payments. I also am in default of a private loan with that same loan servicer ( XXXX XXXX XXXX holds my student loans, XXXX XXXX holds my defaulted private, non-student loan ). I was previously working with XXXX XXXX XXXX to manage my non-student loan debt and went into default on my private loan with XXXX XXXX as part of that program. However, I elected to step away from XXXX XXXX XXXX and resolve my collections debt on my own. I continue to get negative marks on my XXXX XXXX private loan for missed payments instead of that debt being sold off to a collections company. I believe that XXXX XXXX is intentionally doing this in order to keep my credit score low and prevent me from refinancing and going to a different loan servicer for my private student loans. See CFBP complaint with my previous dealings with this loan servicer : XXXX.

Company response to consumer: Closed with explanation