BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 I made a purchase of tickets on XXXX. One of the payment choices was PayPal, so I chose PayPal and when I was redirected to Paypal I selected the PAYPAL CREDIT option for payment. This option allows you to use a predetermined line of credit to purchase items online. Since I had available credit of XXXX and I was trying to charge XXXX to the line, I knew it would be ok. I followed the prompts and eventually I was returned to the XXXX XXXX site and completed the transaction. About 25 minutes later I realized I had purchased the wrong tickets. SO, I called XXXX XXXX  and was told no refunds but that I could try to resell the tickets on their site. I wondered if I might have some relief from PayPal so I contacted them. When I described the transaction, the rep from PayPal told me that her records said that I did not use Paypal credit to complete the purchase but rather that the purchase was made using my checking account instead. Now it is true that my checking account was the default payment source but I had EXPRESSLY selected PAYPAL CREDIT to be the payment source for the ticket transaction. I pointed out that I felt this was an unauthorized debit against my checking account as I had only intended to charge this purchase. I pointed out that nothing warned me that my checking account was about to be debited. After checking with her support team she reported back that their had been a 'reported glitch that apparently resulted in some people selecting PayPal credit only to have the payment debit another source instead ''. She said that it was because of some kind of merger or transition involving XXXX XXXX. I guess XXXX is the bank that provides the PayPal Credit account. I accepted her explanation but asked what they were going to do about it. She said there was nothing she could do. SO the effect was that PayPal ignored my direction to charge the purchase to the Pay Pal credit account but instead used my checking account to pay for it. Mistakes are made but what has me angry is that there was no effort to solve this problem. I later attempted to purchase another set of tickets using Pay Pal credit, and I was crystal clear about my selection to pay using the Pay Pal Credit account and it definitely did not work the second time either. When I called PayPal support about the second instance, they said there records showed that I selected the bank account for payment. I am absolutely certain that in both cases I had selected Pay Pal credit as the payment source. They simply do not believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
We opened an account with conns and when we received our payment book we noticed errors. We then went back to the store and they re-did the account fixing the mistake and then sent us another payment book with the correct amount but, the first account was supposed to be deleted and never was. We are up to date on the current account but they wont delete the first faulty account. My credit is spotless other than this. We have called numerous times to try and rectify this problem but each time they say this is accurate when its not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
AS STATED ON MY PREVIOUS COMPLAINT, EXPERIAN REFUSES TO HANDLE MY COMPLAINT AND UPDATES WITH THE FALLOWING " Thank you for submitting your complaint on XX/XX/2019, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. Unfortunately, at this time, we are unable to process your disputes, as they are not specific. If there is information appearing on a credit profile that is believed to be inaccurate or incomplete, we must have a specific dispute. We are in the process of mailing you a current copy of your personal credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. In order to properly address your concerns, please contact Experian directly with your specific disputes, along with the names and/or account numbers of the items being disputed, and we will proceed accordingly. '' i WILL GO AHEAD AND ATTACH DISPUTE HERE SO WE CAN GET TO THE BOTTOM OF THIS

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 2020-04-29
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I need to link my Personal Pnc checking account with my XXXX XXXX to put money into my savings and I guess pnc made it to where you cant link your accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
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: Their investigation did not fix an error on your report

Complaint:
I HAVE SENT VARIOUS DISPUTES, TO EQUIFAX AND HAVE BEEN IGNORED MULTIPLE TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As of XX/XX/XXXX I notified navient student loans to have my payments deferred because I'm currently enrolled in school. It was successful but on my credit report it's showing navient as being delinquent 3 different times but when I go on there web site it's showing that I have a XXXX balance. It also shows that will I will not owe anything for some of the loans until XX/XX/XXXX and XX/XX/XXXX. I'm so confused because it's dropping my score fast and it's extremely low because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
Direct dispute was used through XXXX for Transunion. Multiple accounts were requested to be reviewed for accuracy. Specifically, XXXX XXXX XXXX combined 2 credit cards debt into 1 account. Transunion has not responded to the dispute request or responded to subsequent mailed requests for updates on XX/XX/XXXX, and XX/XX/XXXX. I tried the online option for the 3rd time today and the system is " having technical difficulties. '' At this point, Transunion is intentionally dodging my dispute.

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 2018-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I owned a " XXXX '' corporation and had both my personal and corporate accounts at Wells Fargo. I have closed and dissolved the corporation. I had a XXXX XXXX subscription for the corporation. That subscription was stopped last year. Since then, despite repeated requests Wells Fargo has been charging my PERSONAL ACCOUNT, an account that was never authorized for XXXX XXXX a {$14.00} fee every month for software access.

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 monetary relief
Consumer complaint received 2019-06-26
Company: CMRE Financial Services, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Received another attempt ( # 3 ) to secure payment on a medical bill from CMRE Financial Services, XXXX, CA, that is not mine to pay. Identified individual on the statement is not me. The account of the identified individual is XXXX. AlthoughI have the same first name, I have never had the last name, XXXX. A previous collection attempt by this company was labeled on the enveloped Return to sender, addressee unknown and placed in the US mail for return delivery a year ago.Below is the companys address and listed telephone number. 
CRME Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA. XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After applying for mortgage loan and being approved, half way through escrow all of a sudden a supposed debt with open date of XX/XX/2014 and balance of over {$10000.00} just all off a sudden appeared. This says i owe over $ 10k and they haven't had this on my credit in 4 years but now all of a sudden they are reporting this debt as something I owe. Seems pretty fishy that this company I have no knowledge of is reporting this after seeing that I have paid off all my debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other 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:
On XX/XX/2017 I took out a loan from XXXX XXXX XXXX. It was a 'Time Share ', agreement. After several years of timely payments, I couldn't afford the payments because of economical hardship. I tried numerous time to settle and get out of this dilemma, but they refused to reason with me. All of a sudden, the loan escalated from {$1200.00}, original amount owed from {$5100.00}, to {$6800.00}. They forwarded the loan to Monterey Collection Services and the amount skyrocketed to {$10000.00}! I plead and plead to allow me to 'settle ' this situation, but they continue to threaten me with law suits and to damage my credit. I'm scraping just to pay the minimum trying to salvage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: CA
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:
EQUIFAX IS REPORTING INCORRECT INFORMATION. I DISPUTED THE ERROR BUT THEY FAILED TO CORRECT THE ERROR. 



RE : ACCOUNT # XXXX XXXX XXXX Joint Installment Loan {$7600.00} Date of Loan : XX/XX/XXXX, Charge-off To EQUIFAX, The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, consumers have the right to force alleged creditors to report accurate information. The FCRA governs the behavior of consumer reporting agencies. 
EQUIFAX IS IN VIOLATION OF THE FCRA. 
VIOLATION : Furnishing and Reporting Inaccurate Information The above referenced loan is being reported inaccurately and needs to be removed immediately or I will take legal action to enforce my rights. 

In order to report this account the CRAs, must provide proof this is a valid debt and a the money is owed as alleged. Please see the California laws regarding loans. 

California Commercial Code Section 3303 ( b ) Citing UCC 3-303 ( b ) ( specifically, California Commercial Code Section 3303 ( b ) ) the Court of Appeal held that negotiable instruments, including a promissory note, are subject to the defense of lack of consideration OR proceeds. Consideration is defined as " any consideration sufficient to support a simple contract. '' Lacking Consideration Is Not Enforceable XXXX v. XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  Court of Appeal, Second District, Division 3 ALL LOANS REQUIRE CONSIDERATION ( PROCEEDS ) TO BE LEGAL I have requested you to provide proof of the consideration for this alleged loan/debt. I have asked you to provide the proceeds check or disbursement check for this alleged loan of XX/XX/XXXX. Show me where you paid me the funds you are alleging I now owe. Under California state law as well as under the FCRA you must provide proof of this in order to furnish this information to the CRAs or you MUST delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have been trying to get a replacement card for my unemployment benefits since XX/XX/2020 and I haven't been able to contact no one my bills are over due and I'm about to be kicked out of my place because I am behind on rent. To whom it may concern can you please over night me a replacement unemployment card so I can pay my bills My name is XXXX XXXX address is XXXX XXXX XXXX XXXX Louisiana XXXXThank you and may God bless you and your Staff

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 monetary relief
Consumer complaint received 2019-06-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have written to Rushmore Loan Management Services because they changed the terms of my loan when it transferred to them, which their website states they will not do. 
I am writing to dispute the late fees that I am being charged. My loan was transferred from XXXX in XXXX of 2017 where late fees were not a part of the terms. The Rushmore website states that the terms of your loan, when transferred to Rushmore, will remain the same. Initially the XXXX terms were honored but after the first few months after a false loan modification increasing my payment did not stand, suddenly I began being charged late fees. I pay my mortgage after the XXXX of each month because, as a senior citizen, that is when I receive my social security check. This was never a problem with XXXX. Rushmore not only began charging me late fees which was a departure from the terms of XXXX, but also began sending me letters stating that I was in default and threatening foreclosure before the month during which my payment was due had even ended. 
When I told the last representative about the illegitimate late fees being charged to my account, I was advised that a letter to the company was all that was needed to clear this up. I have written to the company previously but received no response. Here is the information on their website : https : //www.rushmorelm.com/faq/ Generally, the terms of your loan will not change as a result of a transfer of servicing. Rushmore will honor the terms of your loan that were in place with your prior servicer, including any existing repayment plan or loan modification to which you agreed with your prior servicer. Contact Customer Care toll-free at XXXX Monday Thursday from XXXX XXXX  to XXXX XXXX  and Friday XXXX XXXX to XXXX XXXX ( all times PT ) if you have questions. 

I believe I am being discriminated against if late fees are charged to my account. I would like this corrected and the late fees removed. 
Thank you, XXXX XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2018 my GAP insurance overpaid my loan with TD Auto Finance ( US ). My GAP insurance sent an amount of {$2700.00} to pay off a balance of {$1300.00} leaving an overage of {$1400.00} in which has never been sent to me almost 90 DAYS LATER. 

My avenues of communication with TD have failed at every turn. I have spoken with representatives numerous times on both the phone and on their secure message center. If you are willing to wait upwards of 2 hours on hold in order to speak with a real human being, you will be told the check will be in the mailbox in 2-3 business days, however, weeks later its still not here. 

On TD`s message center online, I have been told the issue was sent to their credit resolutions department, but that was months ago. Since then I have only received a copied and pasted message to tell me to call the customer service department. As stated above I am placed on hold for hours to be falsely told the check will be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: CA
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 issue is an existing problem which XXXX and Equifax, XXXX  wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation wentXXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was trying to payoff the balance of my mortgage with Feedom Mortgage. They would not quote a payoff over the phone or in the website. They said there is a {$30.00} charge for the payoff amount. I am not selling or refinancing my home. I sent a check from my banks bill pay for {$34000.00} which was the principal balance on my statement. The check was dated XX/XX/18. On XX/XX/18 I received a letter with the check enclosed saying the funds must be certified. I called customer service on XX/XX/18 and was told by the CSR that it was against the law to accept the check. I asked her what law she was referring to. She could not answer but said they could not accept more that {$9900.00}. I told her that was referring to CASH transactions, not from accepting checks. 
I feel that Freedom Mortgage is not acting in good faith and trying to put obstacles in my path to collect more interest and fees. Also, I found my loan agreement and Truth In Lending Disclosure from my loan and there is no mention of a {$30.00} payoff fee. ( I did not have to have it in writing ) I am now required to pay a fee to my bank to issue a cashiers check to pay the account plus an additional months interest on the loan.

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 2019-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a levy notice last year from my bank that XXXX XXXX had attempted to attach my bank account due to a levy. They followed up with a settlement letter. I contacted XXXX XXXX. They informed me that they had purchased the debt from Chase bank for a credit card I had that was charged off in XXXX. I asked the representative how they could collect on a charged off account on a credit card that was over 4 years old. He informed me that they had filed a judgement that was good for 10 years. I informed him that I was never made aware of this until the levy notice. He told me that they had sent a letter to XXXX XXXX XXXX XXXX CA. XXXX. I told him this was my parents old house, and I had not lived there since XXXX. I asked him how I was to have been legally notified of such a severe financial matter if they had mailed a letter to a residence I had not lived at for over 20 years. He put me on hold. When he returned he stated the same information previously stated and asked if I wanted to pay the debt. I informed him that I did not feel this had been handled in a legal manner and that I was going to seek more information or legal counsel. That was the last conversation I had with XXXX XXXX last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: SUNTRUST BANKS, INC.
State: MO
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:
Every time I look I get a hard inquiry from SunTrust. I never gVe them permission to do an inquiry except initially when I first started. I cant believe how many time I got hit with these. I even ask when they called me up and offered me more funds if there would be a hard inquiry and the lady said no. I am very upset with this. Also I am a little behind on bills due medical leave leading g to terminate on XX/XX/2029. Just recently started a contract job Monday before last to catch up Help!!! No more inquiries from this lender! They havnt even told me about a single one!

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