BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be. i have not been able to get help and them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have informed this company that I do not have any dealings with them. I need received notifications on this debt. I sent them my updated address and verified that they are not licensed to collect in my state. They have failed to stop collection activity and have not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I checked my credit report and noticed a few accounts that do not belong to me

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 2021-04-22
Company: FIRST HAWAIIAN, 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: Account status incorrect

Complaint:
First hawaiian bank is showing a late payment in XX/XX/XXXX / XX/XX/XXXX and I do not recall being late on auto loan. Being soo close to the drop off date I am requesting to see if they could kindly remove this remarks off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: PA
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 started a dispute on XXXX XXXX, 2017 stating that several accounts were invalid and should be deleted from my file immediately. Within 30 days Experian completed there investigation and stated that some accounts were verified. so I then sent letters Asking them to send me documentation as proof of the verification that they stated they obtained from the creditor which should include copies of all original contracts bearing my signature. Experian has never sent me this Proof. the FCRASection 609 states that they must conduct a 100 % verification Investigation during the dispute process which should include all original agreement documentation bearing My signature.

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 2022-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associate are in violation of the Early Warning Notice. 
The clause state that consumer had to be notified before placing collection item on credit report. Had been XXXX  for the past XXXX  months and did not receive any notice. Attached is my release document from XXXX  and my address in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX reported a late payment XX/XX/2020 during the coronavirus pandemic when I was told due to my list of employment due to coronavirus my account would be put on hold and not be makes late ...

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 2022-04-06
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I noticed I was locked out of my Coinbase account on Monday morning XX/XX/XXXX. I tried to get in and it would not let me. I contacted Coinbase to let them know I believe there was unauthorized access of my account. They then made me reverify my account. There was also a {$1000.00} XXXX request of my bank which I did not authorize. On Tuesday, XX/XX/XXXX I filed fraud reports with the FBI, FTC and XXXX, MN Police Dept. When I was able to access my Coinbase account, someone took my {$150000.00} in cash and bought XXXX XXXX and somehow moved them out of my account. I say somehow because the only account I had set up to take and receive funds was my bank, none others. On XX/XX/XXXX, Coinbase support replied back to me that they are not responsible if someone gets an individual 's login credentials. I called the XXXX XXXX and MN Department XXXX XXXX to report the fraud. The XXXX XXXX said there is nothing they can do since I reported it to the FBI. The MN XXXX XXXX XXXX was going to reach out to Coinbase. I checked with my phone provider XXXX about security breaches on my phone and they said they could not see any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage payment is XXXX. For this XXXX payment, Freedom Mortgage processed the payment twice i.e. they withdrew twice ( electronically ) the monthly payment from my checking account at XXXX : once on XX/XX/XXXX and another on XX/XX/XXXX XXXX please see the attachment ). I called on XX/XX/XXXX to ask for a refund they said it will take 2-3 business for the refund to be deposited back in my bank account if I can prove that two payments were made, although their own website was showing two payments. On the same day ( XX/XX/XXXX ) I emailed them my bank statement showing running balances including the two payments ( see attachment ). 

The main problem is : 1- Until today XXXX, I have not have not received the payment although their website indicates that I was issued a refund. 

Lesser problems : 1- Their website shows an escrow refund, which is not correct. The escrow account is for tax and insurance payments and had nothing to do with the case. It was never an issue or discussed or a problem. It is unclear why the say it is an escrow refund 2- They never applied the additional payment anywhere. The money just vanished. Normally it should apply to principle or next month. This is issue is moot if a refund is processed and I receive the money back. 

Additional information about the quality of their response/ ; Their customer care was not helpful. I had to make several calls on XX/XX/XXXX. On the 1st call, the representative did not have an answer for why the refund was not issued yet. She had to reach out to another team. After waiting for more than 25 minutes on the 1st call, I was disconnected by the representative. No attempt was made to reach me afterwards. I called again, and the next representative had a different story : she said that it will take up to 18 days for the refund to be issued. When I asked why so long for the refund when the withdrawal took less than one day? she had no answer. I told her that I will report this to the CFPB and to the XXXX XXXX XXXX, she became belligerent and accused me of not hearing properly and misrepresenting what she said and kept interrupting me then hung up.

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 2022-04-06
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: Investigation took more than 30 days

Complaint:
I had my bank account connected to Experian for credit for boosting my bills. Since I got in the XXXX my XXXX  account to give me credit for paying bills was somehow disconnected for over 3 months which I was not given credit for. When I contacted them about the problem I have not heard from them since and no resolution for the problem. I feel like they are purposely trying to prevent my score for raising.

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 2017-10-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a check and letter of explanation from Wells Fargo Account XXXX property address XXXX XXXX XXXX XXXX, XXXX, IL XXXX for {$150.00} I had a mortgage with Wells Fargo and there was a PMI amount inlcuded in the payment. The letter explained about incorrect information on how to get rid of my PMI payment. First, my complaint is that Wells Fargo never explained how their refund or settlement was calculated. Second, in the letter Wells states that they may effect my income taxes. Third, I asked about getting rid of PMI since I first got my mortgage payment in late XXXX. I had to make my first payment to XXXX XXXX XXXX, then Wells and I did inquire about getting rid of this mortgage payments and several improvements I  had to my property. What I am asking for is for Wells to refund my PMI since it was first misinformed which is late XXXX, next explain how Wells miscalculated and explained that in case of further litigation that I can still be a party in but not limited to a class action lawsuit or settlement. Lastly, Wells Fargo is responsible for covering any federal and state income tax liability and penalties their mistake cost. Including that cost of refiling both state and federal income tax with my accountant. I have been researching different cases involving Wells Fargo and do not trust them as a financial institution. When Wells sends a letter or sends a check I am suspicious of their intentions. I would like to use this situation to alert the regulators of more problems that Wells has caused, and I will reach out to my senators and US representative and members of the press to show another example of problems with Wells Fargo.

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 2021-09-23
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX account was canceled on XX/XX/21 in writing and with in 30 days Cain & wiener placed a Collectsion on my XXXX XXXX and XXXX credit report. Please request progressive to supply you with the amount owed in writing because I feel they have an inaccurate amount as per their early cancellation policy. XXXX or XXXX, My credit damaged and it could take seven years for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: OK
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:
Sent letters asking to validate and remove false, non metro 2 compliant, misleading, also false information from account and it was never responded to remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: HCFS Healthcare Financial Services of TeamHealth
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 Fraud Alert on all 3 credit bureau. On XXXX XXXX  2019 I received an emil that 2 collection accounts were added by XXXX XXXX XXXX ( XXXX  ).

I contacted XXXX   several time, they have very rude agents. I have attempted to to clear this up and get removed from my credit report but they keep telling me that they do not have any accounts under my name or SSN. Please see attached credit report showing 2 collections from XXXX.

I then contacted the original creditor XXXX XXXX XXXX XXXX XXXX XXXX ' ( XXXX XXXX XXXX XXXX XXXX XXXX ), talk to them several times but each time they told me that they do not have any accounts in their system under my name of SSN.

I've just found out that XXXX has hundreds of similar complaints The XXXX has given XXXX a rating of F. They have damaged my credit, caused me severe headache and emotional distress. I will take them to Small Claims Court for damages.

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 2022-01-07
Company: EQUIFAX, INC.
State: MA
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:
The following indicated on my Credit Report. I did not attempt to open this card. 

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2019-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/19 I normally use a XXXX, XXXX or XXXX card and pay those each in full every month. At times I might make a large purchase then return all or a portion of that purchase after the statement date. When this happens, the amount due for that statement period is reduced. But not with the BOA card. Here 's what happened. 

My statement came out on XXXX. Shortly after the statement date, I returned a {$1500.00} purchase, resulting in a new outstanding balance that was {$1500.00} lower than my statement. My BOA card was set up to autopay the full amount due which I assumed was now {$2000.00}. However the payment was still set to {$3500.00}. I was going to manually edit the auto payment but to be safe, I called BOA the day before the payment was due to see if the {$3500.00} amount had to be paid in order to avoid interest. They said that interest would be charged if the {$3500.00} wasn't paid! Ridiculous. So now, after my payment is made, I have to call them and ask them to refund my credit balance. They get to use and earn interest on my {$1500.00} and I'm inconvenienced by having to call them yet again. This seems illegal to me, that they can use and earn interest on my money. No other card I have ever had does 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 2017-10-04
Company: CORELOGIC INC
State: WA
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:
I 'm contacting CFPB to get assistance with several hard checks by the same company over a few months and also an unrecognized hard check. These hard checks occurred last year, however, they have tremendously effected my credit rating/score and needs to be addressed because of the multiple hard checks done. Please assist and advise. 
Thank you for your time. Following is a copyt and paste of the companies involved. 
Alaska XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from 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 2022-04-06
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX 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 an 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 non-monetary relief
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My personal information was used to try to open 3 new credit cards. Experian credit was involved in the inquiry. A credit card application was attempted from : 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 non-monetary relief
Consumer complaint received 2021-08-20
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I know have to full balances on my credit for the students loans being way higher than the original balance. I was skeptical about my account history with Navient because they show I never made a payment and they report my account all the way back to 2008 and have no records, insight, or supporting evidence to provide me. Ive had my taxes and paycheck garnished due to my student loans. I contacted the US department of Education for my information about my account history and they informed me that the document they have says my account is closed and paid for. No documents supporting Navient claim against me. They advised me to call the original collection agency XXXX for information, and was informed that my account was paid off for and they do not know why Navient is charging me. All 3 agencies have lil to no records of my account which is confusing to me because no one can provide exact information to me as if I never applied for a school loan. The us department of education sent me a document of all my payments and deductions show a XXXX balance. I plan to provide this document because it totals out the original loan balance.

Company response to consumer: Closed with explanation