BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-12
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
( 1. ) OnXX/XX/XXXX, I received an email notification from Paypal at XXXX that I had received a refund from XXXX XXXX XXXX via Paypal for a transaction I had previously submitted using my XXXX XXXX debit card ending in XXXX. The amount was XXXX dollars. <P/>The time stamp and receipt # are : XX/XX/XXXX XXXX PDT Receipt No : XXXX ( 2. ) On XX/XX/XXXX, I received a second email notification from Paypal at the same email address that I received a refund from XXXX XXXX XXXX via Paypal for a transaction I had previously submitted using the same XXXX XXXX card. The amount was another XXXX dollars. <P/>XX/XX/XXXX XXXX PDT Receipt No : XXXX ( 3. ) The XXXX XXXX checking acct. associated with that debit card was previously closed. <P/>( 4. ) I called Paypal to notify them that the debit card where I was supposed to receive my refund was closed. I spoke with XXXX. I asked her ID # but she said she " would n't be able to give that information out, '' but she was located in Iowa. <P/>She said I needed to contact XXXX XXXX to see if the funds will be returned to me. <P/>XXXX insisted that XXXX XXXX would n't send the funds back to Paypal, and said that by law, there was a six month period from the acct. closure date where they would have to refund those funds to me by reopening the acct. <P/>( 5. ) Spoke with XXXX XXXX ( XXXX at XXXX XXXX branch in XXXX, GA ; XXXX in phone customer service ). XXXX said funds would be sent back to Paypal. XXXX confirmed funds were sent back to Paypal. <P/>( 6. ) To date, have not received funds and have not received communication from Paypal about those two refunds being rejected by XXXX XXXX. <P/>( 7. ) To date, I believe I have XXXX dollars missing as a result of this error by Paypal and/or XXXX XXXX. <P/>( 8. ) I called Paypal corporate office on today, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, and asked for Executive Customer Relations. XXXX, the receptionist, said her only option was to send me back to regular customer service, even though I had told her I had already received misinformation from customer service and I was trying to avoid filing a Consumer Financial Protection Bureau complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear CFPB I submitted a dispute previously, but I did not hear back from Transunion about this. 

There was a loan opened with XXXX in the amount of {$370.00}. 
Transunion shows that it was opened on XX/XX/XXXX, but XXXX is reporting that it was opened on XX/XX/XXXX. This shouldn't be. 
The status dates and late payments are not 100 % accurate as well. Transunion doesn't consider this account negative, but XXXX does. 

There are also inquiries that are inaccurate on my Transunion profile. I would like for these to be removed from my profile ASAP. Enclosures have been attached : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/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 2017-06-12
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am unable to upload documents in support of my credit dispute to Experian.com. Their upload form is broken. I 've tried 5 different browsers ( latest XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) and followed their instructions precisely but continue to receive the same error which lacks any explanation of the problem. I called their customer support number but they have no menu option for dealing with disputes or technical support. The recording says only to mail in a communication along with numerous identification documents that I do not have.

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 2022-04-03
Company: BMW Financial Services NA, LLC
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:
Hi my name is XXXX XXXX XXXX writing regarding identity theft that occurred.I was recently checking my credit and found account that don't belong to me.I tried to fix information with credit bureaus and some creditors.I found out that some creditors have incorrect information.Fraudsters used my previous address and apply for cards and I sent them proof ( rental agreement ) that from XXXX XXXX to XXXX XXXX I was living in this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TD Bank has serviced my mortgage since XXXX of 2021. Unfortunately, TD tries to get mortgage customers to open savings, checking, or other accounts by making it extremely difficult to make payments online ( or access items like tax forms ) if you only have a mortgage account. In fact, I couldn't even establish an online login without help from TD customer service ( the website wouldn't set up a mortgage account login without another TD account ). 

Apparently, if you have a TD savings or checking account, you can easily make your mortgage payment from your TD account or an outside account. If you only have a mortgage account though, you need to enter all of your information each month : checking account number, routing number, email, etc. To make even tougher, the website won't let you paste in your checking account number. You have to type it out twice each and every month. 

As a TD mortgage customer, I should be able to make online payment easily. It's wrong that TD tries to nudge you into opening other accounts by making the process difficult for mortgage-only customers. To me, this seems as bad as what XXXX XXXX used to do in making customers open multiple accounts. This is just another form of that, and it's shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: PNC Bank N.A.
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: Problem with rewards from credit card

Complaint:
I have been trying since mid last year to get a {$150.00} bonus from PNC that is rightfully owed to me. They had a promotion going on that they almost always run, for the Cash Rewards Visa Signature Credit Card that is considered a welcome bonus for new customers in return for spending a certain amount after 3 months, which was being advertised during the time I signed up. The last agent I spoke with from Customer Service told me there is no record of them ever having that promotion during that time and I would need to show proof. That is absolutely ridiculous. First of all, what does she mean there is no record?? The promotion was going on at that time, I can assure you. I saw the advertisement. That's what sparked my interest in getting the card in the first place. Do they not have record of their own promotions?? Second, who has proof of something like that unless they thought to take a screenshot?? If I knew that PNC was going to XXXX me over and not give me my bonus as promised, I would have definitely screenshotted it. But attached are reviews of what other customers were saying PNC had going on around the same time I opened my account with them. Please note that if PNC tries to contact me their attempt will be disregarded. I have already spent a total of THREE hours on the phone with them several times over this matter. They need to just put the credit on my account. Period!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: AL
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:
SOMEONE USE MY SOCIAL SECURITY NUMBER AND DOB AND OPEN UP UTILITIES IN MY NAME AT A FAMILY HOME ADDRESS. IN XXXX. AT THE TIME SERVICE WAS OPEN FRAUDULENT USING MY NAME I RESIDED AT A DIFFERENT LOCATION XXXX XXXX XXXX XXXX XXXX. THE NAME USE IS XXXX XXXX A FEMALE WHICH I DO KNOW A XXXX XXXX. I AM XXXX XXXX. ( MALE )  I PROVIDED EQUIFAX WITH A POLICE REPORT DATED XXXX WHERE I FILED WITH XXXX POLICE DEPARTMENT DUE TO SOMEONE OPEN A CREDIT CARD AND PAYDAY LOAN IN MY NAME. ALSO THE LANDLORD OF PROPERTY XXXX XXXX XXXX PROVIDED EQUIFAX WITH DOCUMENTATION STATING I DIDNT MOVE INTO MY NEW RESIDENCE XXXX XXXX XXXX UNTIL AROUND XXXX / THIS IS A FAMILY HOME AND SOMEONE THAT KNEW ME HAD TO OPEN IN MY NAME. EQUIFAX IS STILL REFUSING TO REMOVE. I CONTACT XXXX XXXX ( XXXX XXXX ) AND THEY ADVISED ME TO DISPUTE WITH EQUIFAX FOR REMOVAL. EQUIFAX DID NOT RESEARCH ENOUGH. THE OWNER / LANDLORD PROVIDED MY MOVE IN DATE TO SHOW THIS IS NOT MY DEBT. AND I PROVIDED IT TO EQUIFAX. SOMEONE FRAUDULENT OPEN UP THIS DEBT AND USE MY INFORMATION. I AM A VICTIM OF FRAUD AND SENT PROOF TO EQUIFAX. I NEED HELP WITH THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A year ago we used a balance transfer to XXXX XXXX ( XXXX XXXX  ) credit card for {$5000.00} then in XXXX we used another one for {$4700.00}. All year they have been deducting almost all of the {$300.00} payment we have been sending to the newest balance transfer instead of the older one which expires sooner. We have used balance transfers for years using other credit card companies and the biggest part of the payment always goes to the oldest balance transfer amount. Now that the year for the 0 % interest is almost over we still owe {$3800.00} on it. Only {$39.00} of the {$300.00} we sent each month went to that one. We have tried calling and they do nothing but send us a form that has nothing to do with our problem. Even the supervisor we spoke to said she always thought the payments go to the older balance transfer but yet she has no authority to change the way the payments were applied. We can't get them to understand that what they are doing is fraudulent because there is no possible way to pay off the amount within the 12 months offered interest free since they keep putting our payments on the newer one. This is obvious a ploy of this bank to get the finance charges one way or another and is not fair to the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: Capital Accounts, LLC
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: Account information incorrect

Complaint:
I tried to make a payment on line the agent told me I had till the XXXX of the month. On the XXXX received a letter telling me I needed to move out. I went to their corporate office to speak with a manager. He explained that it was a misunderstanding that I could leave the payment there in the office with the receptionist. Went to the bank got a cashiers check returned to the office left it with the receptionist. They later said it was not paid but it was paid to the lady in reception as he had asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: MO
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 applied for credit card so i can help my mom and I was denied. I checked my credit and its accounts on there I know nothing about. Please remove these from my credit Account with no name account # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX. Its inquiries as well that I again dont know where they come from XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
{$250.00} owed to XXXX XXXX and showed up in collections. Haven't had XXXX  for 5 years, never heard or received notice from XXXX   that I owed any money and I don't believe that I do owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My original monthly mtg payment was XXXX per month at closing in XX/XX/XXXX I then received a check on XX/XX/XXXX in the amount of XXXX for an escrow shortage. Then received a tax bill from the county assessors showing tax assessment in amount of XXXX per year and according to my closing disclosure they were escrowing XXXX per month, and only collected XXXX ( 2 mths ). I am now being told my payment is increasing by XXXX per month and they also requested that I return the escrow shortage check I received in XX/XX/XXXX. I have a made multiple calls for an explanation that is logical and reasonably understood, and have not been successful in receiving a resolution. I believe this is a servicing error that should be resolved by the lender. I have consistently met my financial obligations on a monthly basis and should not be held liable for their inability to manage escrow accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
a fake loan company hacked into my Wells Fargo account to process a loan I thought was legit The fake company/thieves XXXX  money into my account then XXXX  it back to themselves then cancelled the payment they did It took me about 2 days to figure it all out They also did provisional credits on my account from previous bills I had paid months earlier THis put more money into my account. By the time I caught on I was out {$2800.00} Wells Fargo took over a month to investigate and I was denied any reimbursment form my bank. This was considered Elder Abuse and was contacted by local police and county also which was all nice but I have had zero restitution

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 2017-06-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, The Borrower has been approved for a short sale which was scheduled to close on  XXXX . During a review of the preliminary title report, there were liens on the property which the Borrower believed to have been dismissed in a bankruptcy which the Borrower filed in   XXXX  .  <P/> Upon further investigation, even though the money owned on the liens were in fact dismissed by the Court, since the liens had been filed prior to the  Borrower 's bankruptcy, the liens remained on title. Thus, the Borrower was not able to produce a c lean title and consummate the close of escrow by  XXXX .  <P/> In order for the Borrower 's to produce a clean title, they hired an attorney to re-open their bankruptcy case and file a Motion to Remove the Liens. The Court granted the motions on  XXXX  ; however, the Bankruptcy was only closed on  XXXX . During the period of the Bankruptcy, the Buyer 's lender was not able to process his loan because the property was still under Bankruptcy protection. Thus, the Buyer 's lender asked for an extension to  XXXX  in order to allow them adequate time to process th e Buyer 's loan. The lender has scheduled a Trustee Sale  on  XXXX  ; however, they declined the Borrower 's request for the extension.  <P/> My broker, escrow, title,  the Buyer 's lender, the HOA have al l put our best efforts to close as scheduled ; however, there have been unpredictable circumstances beyond our control that have preventing us from doing so. The parties have actied in good faith and the delay in closing in not a result of any willful neglect or negligence.  <P/> Thus, the Borrower hereby requests that his request for extension be granted so that he can conclude the short sale. Considering all the facts that have prevented him from closing sooner, we are confident that we can close the transaction before the sale date of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This is a follow up with my complaint # XXXX, after almost 6 months of chasing US BANK prepaid service, only with help of CFPB, i recently got my new replacement gift card, its supposed to be {$100.00} per last agreement, when i checked the balance its only XXXX, i want the unexpected fee of {$5.00} credit back to my account, not only due to its US BANK 's issue ( not properly secure their gift card ), also took me almost 6 months time to get the issue solved.

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 2021-04-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out Emergency room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX  employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance carrier, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.

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 2022-04-03
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: Account status incorrect

Complaint:
I have lease a vehicle in XXXX of XXXX from XXXX XXXX XXXX. I never had any single late payment on this account. I have decided purchased this vehicle in XXXX of XXXX. After completely paying off this car loan it has started to report repossession on my credit report. I have contacted this creditor and they said it was reported by a system error and they will make a correction. 
It has been XXXX months after my last request and it has never been corrected. I have called them again and been told that because the account is already closed and they dont report it every month it can take a long time for an update. 
Also with this request I am sending you copy of the Payoff letter from XXXX XXXX, XXXX XXXX XXXX letter and Title Release letter. 
At the current moment I have this car at my possession which I am driving. 
Because their incorrect reporting my credit scores came down about 100 points. Right now I have to refinance my house but I am not able because my scores are suffering because of this issue.

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