BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: Cornerstone Holdings, Inc.
State: AK
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 checked my credit reports and contacted the people it said I owed the Debt to. Several of the companies no longer exist. The ones that still existed I paid the debt and it was thousands less than what was shown on my credit report. 
I had an attorney contact Cornerstone credit about the ones the company no longer existed on. Cornerstone credit said adding 15 % interest to medical debt a month was allowed. So debt that was XXXX dollars as now several thousands of dollars. When asked if they would make a deal, they refused even though they knew that several thousands of dollars is all interest, for a company who probably took a deal as it was being bought out by another company. 
I recently have been divorced I guess several of the medical bills went to my ex-husband 's address. I did not know I owed them until I had seen them hit my collections. I contacted both of the debtors because it was only 2 new debts that I had missed. I paid off one debtor and it should show as paid at the end of the week. ( XXXX hope. ) The 2nd debtor says they do not show I owe them anything, nor would they because they sell their debts to Cornerstone. I have tried to make payments to a specific account before to cornerstone and they just add it to whichever one they feel like so they can restart a 6-year-old account to a company that no longer exists. I called the other debtors who say I have paid all my back bills and their affiliates in full. 
The Attorney and my divorce Judge have told me not to contact Cornerstone because of the stuff they have been doing but I would like to pay off the recent bill so it is not on there when the others one fall off nor do I want it to start collecting the 15 % interest. 
Is it allowed for the original debtor to refuse you to pay off your back debt? 
If I want to make a payment to a collections agency on that specific account are they allowed to put it towards whichever account they wish? 
Is the collection agency allowed to keep stuff on my credit they can not prove I owe? ( I can not find the information or the bill and when the attorney asked them to send me the proof of the debt, they only send me their debt bill on not the original. They said this would a breach of confidentiality. ) With the above explanation, How is it a breach of confidentiality for a debtee to know who is claiming the debtee owes them ( the debtor ) money? How am I to know it is not fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX,2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I made a transaction with Paypal on XX/XX/2020 and the money still on hold and Paypal do not help me to cancel this transaction. Paypal do not give me the option to get my refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a Chase private banking client with Chase Sapphire checking account. Yesterday my family in XXXX used wire transfer to transfer {$5000.00} to my Chase Sapphire checking account. For Chase Sapphire checking account, per Chase policy, there should be no wire transfer fee for either outgoing or incoming wire transfers. Meantime, my family already paid separately the wire transfer fees to XXXX bank, in which they initiated this wire transfer. Therefore, the amount that I should receive in my Chase checking account should be exactly {$5000.00}. However, there was only {$4900.00} deposited into my Chase checking account from this wire transfer. Apparently, Chase charged me {$15.00} hidden fee for this incoming wire transfer. My family further inquired with XXXX bank and was told by XXXX bank that the wire transfer amount that I should receive should be exactly {$5000.00}. XXXX bank confirmed that the missing {$15.00} must be charged by Chase as the receiving bank.

I reported this issue to Chase Private Client customer service. However, Chase representative treated me very impatiently and unprofessionally. She didn't resolve this issue at all. I am very disappointed with your Chase Bank customer service. 

I am escalating this issue to CFPB, and am requesting Chase to immediately post the {$15.00} to my Chase Sapphire Checking account because Chase should NOT charge me this {$15.00} fee at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I WAS A VICITM OF IDENTITY THEFT AND THERE WAS AN ACCOUNT ON MY CREDIT FILE THAT WAS REMOVED XXXX XXXX IN XX/XX/XXXX. THENIT WAS REINSERTED BACK ON MY ACCOUNT WITHOUT A 5 AY NOTICE IN XX/XX/XXXX. THIS IS NOT MY ACCOUNT AND THEY HAVE NOT REMOVED IT OR VERIFIED THAT IT IS MINE. PLEASE HELPME GET IT REMOVED AGAIN 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 2020-11-21
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, the consumer, disputed this debt in XX/XX/2020 with XXXX  , XXXX After an investigation, the credit bureau concluded that this account was incorrect, and sent notification to XXXX XXXX XXXX to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XX/XX/XXXX, XXXX, XXXX, and by extension Dynamic Recovery Solutions has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have submitted this evidence to Dynamic Recovery Solutions to verify the results of the credit bureaus investigation, in addition to the Consumer Finance Protection Bureau.

The account in question is Reference Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been the victim of identity theft and somehow someone has got a vehicle in my name. The account is : 1. XXXX XXXX # XXXX I first notices it few months ago that I had a vehicle and a recent 30 day late payment. 

This account was not opened by me and I have included my ftc id theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am a single mom struggling to pay bills on a small income and is hard to stretch. I do not know how to make ends meet .It is hard to survive in a society where it is not designed for someone like me to achieve success .I need help and I cant afford to pay the loans back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I received an email from American Express ( XXXX ) stating that my Bluebird acct privileges had been suspended because of an unspecified violation. I called Acct Protection Services at XXXX on XX/XX/XXXX and after several tries and a very long wait I was informed by a rep that the account was closed and a check for the balance of {$100.00} would be forthcoming in 10 business days. I have heard nothing since then, phone calls are not answered and I am unable to log in to my account online to request a withdrawal or pay a bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All 3 Credit bureaus are reporting a wrong address on my credit report. I never lived at this address and this address is not a previous address : XXXX XXXX XXXX XXXX XXXX, Pa XXXX Please delete this address. 

Please add my address that I always lived at all my life at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Please open attachment for my ID, SS, bank statement

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 2020-09-04
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/2020, my business client XXXX XXXX sent over 2 payments of {$2000.00} each totaling {$4000.00} for a personal exercise training package. He paid me via the " Friends & Family ''  option of Paypal. Mr. XXXX also sent me a couple of smaller payments of {$35.00} each on XX/XX/XXXX and XXXX for extra car fare. 
A few days later, a Paypal representative called me to inquire about these payments. Caught by surprise, I just told him XXXX was a " friend '' of mine who sent me the money, after the Paypal rep asked who XXXX XXXX was. 
The Paypal rep proceeded his questioning by wanting to know what the money was used for. I replied for " personal reasons ''. 
Based on these 2 responses, the rep informed me that he was going to close my account permanently because it presented a security risk and I will not be able to use Paypal or any of my cards or banks linked to Paypal ever again within their services. 
Despite my reaching out numerous times to appeal this decision to various supervisors, their responses have been consistently rude, disrespectful, unprofessional, and downright threatening, without any chance of recourse. 
Their decision has affected each and every one of my transactions negatively in which the merchant accepts Paypal only, limiting my options of business transactions. 
I even wrote an appeal request via hard copy and sent it via snail mail without response in the Spring 2020. 
I do not feel this was a fair decision on how Paypal treated me, without recourse for reinstatement. Paypal has effectively banned me for life, and I am seeking for a fair reconsideration for an opportunity to not make the same mistake of accepting payments under their strict guidelines, which they are not affording me. 
I am enlisting the intervention of the CFPB to assist me in my goal to be reinstated in good standing with Paypal again, as I had been for over 20 years previously. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions 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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Experian and XXXX is governed by 15 USC 1681 and they violated my rights numerous of times, and the accounts listed below should be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Experian or XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX Account # 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 2019-11-08
Company: DriveTime
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XXXX I went to a Drivetime dealership and signed a loan for a XXXX XXXX. At the time of the loan I was struggling to make the payments on my XXXX XXXX. The saleperson was fully aware I was struggling, they talked in to a payment on the XXXX that was more expensive that the XXXX. I could not afford both loans. They continued to talk me into the deal and advise me I should give the XXXX back to the bank. I was persopnally in a distraught situation by being behind on the XXXX. Furthermore they talked me into warranties that when it came tio use them because the vehicle needed repairs, they denied me and I had to fight with them to get them to honor the repairs. I ended up falling behind with them, and eventually, because the payment was too high, I ended up giving the vehicle back to them. 2 years go by and then they sold the account to a collection agency. Due to the predator lending tatics, knowing I was stressed out about being behind which they knew about at the time of the loan, and giving me a higher payment on a vehicle that was 8 years old at the time, and advising I should let the other car go, they should buy the debt back from the collection company, close gthe account and never sell the debt again

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 2020-09-04
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an addendum to the case I previously submitted on XX/XX/XXXX. 

I called Wells Fargo again on XX/XX/XXXX at XXXX XXXX and spoke to someone in the Executive Office, XXXX XXXX to request to speak to the supervisor for XXXX XXXX. The name of the supervisor is XXXX XXXX. She did not return my call on XX/XX/XXXX and I called XXXX XXXX again at XXXX XXXX and was put on 20 minutes hold while he researched why my account online is not showing as current. 

He then told me that this account needs to be reviewed - basically invalidating the letter that they sent me on XX/XX/XXXX indicating that the deferment was approved and the account should be brought current. 

He then told me that he can not speak to me because I am in active bankruptcy case and can not speak without my attorney 's permission. I told him that I have the consent on file - A consent from my attorney 's office was faxed to Wells Fargo on XX/XX/XXXX ( please see attachment ) which was why they were able to have multiple phone convsersation with me to discuss the case on the phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. Mr. XXXX is now saying that all those conversations were not supposed to happen and he will submit the case for further review but can not discuss the case with me further even though I told him I have the consent letter from my attorney which I can send to him and he declined that and his supervisor all refused to speak to me. 

Wells Fargo Mortgage needs to be investigated for breaking rules and for their incompetency. Their goal is to set up barrier for home owners that so that they can foreclose my home. They should be investigated for misrepresenting themselves as evidenced by previous recorded phone calls and written correspondence that the deferment has been resolved.

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 2019-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo has agreed to re-open my CFPB complaint # XXXX. 
Dear Customer : As part of our commitment to make ting right for customers, we are contacting current and former customers of Wells Fargo who may have submitted a complaint to us, the Consumer Financial Protection Bureau or another government agency about receiving an unwarranted consumer or small business product or service sold through a Wells Fargo branch. We want to ensure you are satisfied with how your complaint was resolved. We are here to help. If you submitted a complaint about an unwanted consumer or small business product or service and feel your complaint was not fully addressed, please contact us at XXXX XXXX, Monday -Friday XXXX to XXXX Eastern Time. Thank you. Sincerely XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have contacted Wells Fargo and they have assigned me new case number XXXX. Any questions, please call me at XXXX XXXX. Thank you. 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 2020-09-04
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had service with this company yet they are reporting on my credit report A balance owed. I reached out to this company by letter and have yet to recieve A response. I have XXXX and have never had XXXX XXXX XXXX services at my home residence nor have I had any sevrices with XXXX XXXX  XXXX Additionally I have not been living at the address listed on the credit report that they have reported.

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 2020-12-02
Company: SECURITY FINANCE CORP
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 have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-09-04
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have an XXXX XXXX card issued by XXXX, I had a credit Limit of XXXX In XX/XX/2020 I made 2 purchases totalling {$1800.00}, which pushed my balance up to {$5900.00}, I then received a letter they were lowering my Credit Limit to {$6100.00} ( decrease of {$3900.00} ) after contacting them they explained I was late on previous statements within the last 12 months, I understood. I have paid all my statements ON TIME since then and paid additional than minimum payment due each month. Today ( XX/XX/2020 ) I receive a letter they are raising my APR due to proportion of balance to credit limit is too high. Of course it is too high they lowered my Credit Limit 5 months ago. After contacting them they explained my credit score has dropped under XXXX. My complaint is, how do they get away during these unprecedented times ( COVID ) to take advantage of consumers who are not able to maintain there HIGH credit scores due to income and economy due to unforeseen impact?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: OH
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:
These Inquiries do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Experian Information Solutions 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:
Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. XXXX and Experian removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  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 non-monetary relief