BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: Paypal Holdings, Inc
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
This is about PayPal " Wallet ''. It allows customers to transfer money to and from a linked bank account. However, I was not able to transfer from my bank account to PayPal after numerous tries. Depending on which account specialist I end up talking to at PayPal, I get one of the following two answers to my question " Why am I consistently getting error trying to add money from my bank to PayPal account? '' ( A ) It 's a computer-generated error but it 's not necessary to add money to Wallet because we automatically deduct from your linked bank account if transaction amount exceeds your Wallet balance. 
[ Then what is the point of having " Add Money '' from a linked bank account? If this service does not apply to all, do n't customers have a right to know why? It seems like these people are trained to give canned responses - instead of answering the question, they would respond with " you do n't need to add money anymore since we charge your bank directly ... ''!! They double-down with " it is to your benefit and for your protection '' etc.!! Customers should make their own decisions as to whether a service is to their benefit or not! By the way, they are the worst in terms of being customer-friendly. They sound exactly the opposite '' ] ( B ) Of course it 's possible to add money to Wallet. Let 's do this again. 
[ Then they take you thru a series of security checks related to your publicly available information. After successfully passing these checks, they ask you to retry. Of course it failed! Then they say, well, give some time for computer system to refresh after a few hours. It still failed ] My point is that PayPal has become extremely customer-UNfriendly and they are not transparent at all about issues regarding their products and services. I would rather, and I 'm sure most of their customers would agree with me, see PayPal become more transparent by completely removing " Add Money From Bank '' service and charge the bank whenever a transaction exceeds PayPal 's Wallet balance. Or, if they decide to keep the service, then be forthright with their customers and tell them exactly why they are not able to add money after consistent failures. To me, it appears that they are doing stuff behind the scene that are unfair, unethical and are based on malpractice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17
Company: Paypal Holdings, Inc
State: OK
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX, 2016, I placed an order from XXXX website using a XXXX. I filled out the forms that popped up. Unknowingly, the website had me sign up for PayPal Credit. On XXXX XXXX, 2016, I received a statement for an unpaid balance for my purchase. Upon calling PayPal Credit, I find out that I have a {$2300.00} line of credit. I have paid for the transaction and closed the account. I feel that PayPal Credit did not fully vet the vendor to see how their website is signing customers up for PayPal credit. PayPal credit says they do not report to credit bureaus ; however, I am concerned that my credit score will be affected by this. PayPal credit also informed me that they are not a credit card, but my account number is XXXX-digits long. I am beyond frustrated and they need to be held to the same standards of every other company in the financial industry. I also did not receive a privacy notice until my statement arrived. Had I not opened my mail, I would have ruined my credit because I believed it to be junk mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAXXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOWS CHARGED OFF ACCOUNT ( SHOULD BE CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS INCLUDED IN CHPTER XXXX BANKRUPTCY FILED XX/XX/2105

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Paypal Holdings, Inc
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have an account with the Paypal service, the service works by allowing me to transfer money into an online account then pay for things online that accept Paypal payments. I have had this account for many years, and the way it always worked I had to wait for the bank to transfer the money into the Paypal account, it took between three and five days to complete my transfer of money, and if I did n't have the money in my paypal account I could not purchase anything with the account. I was using this account to pay for my phone bill with XXXX XXXX, I allowed XXXX XXXX to acces my Paypal to pay my bill monthly, I decided in XXXX of last year to stop the subscription on my XXXX XXXX phone, I attempted on line to cancel then went to my paypal and as a measure of insurance to cancel my Virgin subscription I made sure ther were insufficient funds in my account with Paypal. When a request came to my Paypal account from XXXX XXXX Paypal instead of refusing the payment since I had insufficient funds decided to go into my checking account without my permission and pay XXXX, and they did on the day they requested payment, I called Paypal and requested a copy of my authorization for Paypal to remove funds from my checking account without my direct or even my indirect consent, XXXX XXXX XXXX agreed toreturn XXXX of the XXXX payments that were made before I caught what they were doing, Paypal XXXX that there is no problem since they did not profit. I do not agree with their assessment that there is no problem, for XXXX this is a huge problem that they would give a company access to my checking account without my approval. for any reason, and that they not only transferred the money without my approval, but they did it in XXXX day, something they would n't do for me, and that Paypal even paid them when if I had put in a request for payment above my Paypal balance would be refused. I am so angry about their complete lack of respect for me as an individual and the courtesy they extend another company, even if they have to steal my money to make XXXX happy. I still have XXXX charge of {$44.00} that XXXX wo n't refund, and I think that Paypal not only owes me for that XXXX payment but I think there should be some form of punishment to Paypal for such an obvious overreach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I have a paypal account with a credit card on the account. And yet, when I sent a payment to an individual via paypal, they decided to send the bill to a credit collection agency ( XXXX XXXX ) since I do n't want to give paypal my banking information. A collection agency that is never open by the way. And whose website does n't work so I ca n't pay this ridiculous charge with them. And paypal has closed off my account so I ca n't pay them directly or even contact them directly. This has cost me hours of time and anguish because the paypal process is completely inefficient. Paypal never contacted me about the charge that I assumed would be covered by my credit card on file. This seems to be paypal 's standard operating procedure. If you search for " paypal collection agency '' on XXXX, you will see numerous other people with the same problem. Just trying to pay the bill and clear my credit with paypal has taken hours of my time and I still ca n't reach anyone at paypal or their collection agency to get any resolution. The paypal firewall to block their own users from fixing an issue is the most concerning problem. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-08
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
My in-laws ( XXXX & XXXX XXXX ) used to live in the house that I live in now. they had a Discover Card for many years. My father in law died 6 years ago and my mother in law 3 years ago. In the past 2 years, we have gotten 6 or 7 credit card solicitations addressed to XXXX XXXX Deceased.I have the latest one here and unopened. I also took pictures of 2 others. I have called every time that I get one and they say that they have fixed the problem but we keep on receiving them. My wife is starting to get upset with the constant reminder that her Mother ( XXXX ) is deceased. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had XXXX unathorized charges withdrawn from my chequing account and the bank is stating that they find they to be valid since they occured in the country where I reside and also because I had changed my account type a few weeks back before the date of when the transactions occured. I never received any letter regarding the decision, I had to call to get information regarding the claim. I have also made a request to receive a copy of all supportting documentation that the bank used to determine this and they have stated that they are unable to because it 's in a format that they are unable to send via mail or fax.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX and have had no response from Trans Union ; XXXX ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

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 2022-11-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citi bank close my account and now I am broke I cant pay my rent, my car, car insurance, cellphone bill and everything they closed my XXXX dollars for no reason now I am broke I want my money I can pay my rent before I got evicted please

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 2016-03-04
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The debt in dispute is actually a much bigger problem that it appears. First of all the account was with XXXX XXXX, in default XXXX XXXX. The Fair Debt Collection Practices Act is in play here. The timeline for any collection process ended at six ( 6 ) years in the state of New Hampshire. That date has come and gone. Secondly, XXXX XXXX sold the debt without any assigned proof, and the collection agency maintains a negative item across the board on all credit bureaus, along with XXXX XXXX. Under the Fair Credit Reporting Act, the XXXX XXXX account is at seven ( 7 ) years past the first late payment, and as the 7-year rule goes, all aspects of the account must be deleted permanently. I demand a purge of my information from both XXXX XXXX and XXXX XXXX XXXX. I have attached a copy of an illegal collection from XXXX XXXX XXXX. By law, this matter is dead on all levels. There is no further attachment to credit as well as collection. I demand this account be deleted permanently by XXXX XXXX XXXX in addition to XXXX XXXX. I demand a full review of this illegal collection practice by the Consumer Financial Protection Bureau, a division of the Federal Trade Commission mandated under Dodd Frank XXXX. This matter must be resolved immediately and all aspects of my file information must be purged permanently. The attached credit bureau posts show the first late payment XXXX XXXX, and as such the timeline can not be extended. Accordingly, I am well within my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX Dear Consumer Financial Protection, I am filing a complaint about what Wells Fargo has done to me and many others like me. They set me up to be scammed. So here is the information and if you send me your email address, I can give you all other data of how it started with me consistently contacting American Servicing Company for months with no reply or answer to my issues even though I was not behind in my mortgage. 
All of a sudden each XXXX, I had to pay an extra XXXX. I called to get clarification ; they listened, but no reply. They required that I had to pay XXXX insurances on the property ; I questioned them about that because in all the years of living here this was the first time XXXX insurances on XXXX piece of property. Suddenly, a letter arrives telling me I had to pay for the second insurance monthly. I called asking for clarification ; nothing. I started calling for loan modification nonstop until I was told it was my fault that I did not keep after them, but I did. 
Suddenly, after I hung up on that last call, a XXXX named XXXX XXXX arrives at my home asking me did I need assistance on anything about my property. I told him how I contacted American Servicing Company with all my issues, with no results from them. He told me I can get loan modification if I get behind on my mortgage. In reflection, it seemed this was set up by American Servicing Company. 
From that moment the scam happened. All my issues were solved so I could trust the person to assist me that Wells Fargo did nothing to assist me. I got XXXX loan modifications and Wells Fargo dismissed them based upon XXXX lies : I did not pay my house taxes and I, a celibate man, was married and my wife put a XXXX lean on the property. I could not sue Wells Fargo because all was done by word of mouth ; however, I had to have a notary witness my signature to send to Wells Fargo that I spoke the truth. 
Wells Fargo is going after seniors, families and XXXX to make them homeless consistently. 
I am filing this complaint against them for what they have done to me XXXX for 50 years who served XXXX with all my heart and soul. 
Respectfully

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 2022-11-03
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From the beginning, 21st Mortgage has been a pain in the XXXX. First, they made every effort to make it difficult to obtain the loan like ; Not excepting military pay as income or my XXXX. One comment was " You cant be active military and receive XXXX income! '' Another " We can not accept a down payment from a nonprofit organization '' Now that I have had a loan with them for a year, it seems that they make it so difficult to make a payment. They reject payments and demand that I provide my checking account number over the phone, which makes me very uncomfortable. 

From day one they make me feel that I am a criminal trying to scam them when it is the other way around. They are the criminals trying to take my property. 

Even with the ESCROW, they claim I was scamming because I am a young guy paying very low taxes on the property. They never saw where a young person pays as little as I do on property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because my requests have been ignored by Equifax. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I checked my credit report through XXXX XXXX and XXXX on XXXX XXXX, XXXX and found an open collection account listed on my Equifax report. The original debtor " XXXX XXXX '' was included in my chapter XXXX bankruptcy filing on XXXX XXXX, XXXX, which was discharged on XXXX XXXX, XXXX. The new collection account was opened by XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX with a balance of {$0.00}. I called XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX and spoke with XXXX. I informed XXXX that the original debt was included in my bankruptcy discharge on XXXX XXXX, XXXX XXXX stated that they performed a bankruptcy scrub prior to listed the account as an open collections, but did n't see the debt under bankruptcy. XXXX further stated that she will note account as a bankruptcy and that it should be removed at the beginning of XXXX XXXX, after the update. 
I am disappointed with XXXX XXXX XXXX, XXXX 's remedy to resolve the problem. The original debt was legally discharged, therefore, no one should contact me about recovering the debt and more importantly, list the debt on my credit report as an " open collections '' debt. I am trying rebuild my credit and the inaccurate negative listing has caused harm to my rebuilding efforts with creditors. I feel that I should n't have to wait until XXXX XXXX for XXXX XXXX XXXX, XXXX to remove the inaccurate data ; it should be removed immediately. I tried to file a dispute with Equifax online ; however, I was informed that I need to fax or mail in a request, which would take longer to process. 

Consider This Summary : XXXX XXXX, XXXX -- Original debt included in the bankruptcy petition XXXX XXXX, XXXX -- Debt discharged by bankruptcy court. 
XXXX XXXX, XXXX -- XXXX XXXX XXXX, XXXX tries to collect the debt and lists on my credit report XXXX XXXX, XXXX -- I received an alert from credit monitoring companies XXXX XXXX, XXXX -- I verify the inaccurate data on my report. 
XXXX XXXX, XXXX -- I contact XXXX XXXX XXXX, XXXX ( i.e. XXXX ). 

Please pay close attention to the dates. XXXX XXXX XXXX, XXXX opened the inaccurate account one and a half months after the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I used to get XXXX supplies from this company, but when my insurance no longer covered the expense we contacted the company by phone and asked to stop delivering. We ended up moving and unbeknownst to me, they delivered another package of supplies at the old address that was not forwarded and I never received. When I got a bill for the delivery, I wrote them and told them that I did not receive the supplies and also that I had phoned them before that and told them to stop delivering. This collection agency is now trying to collect AND they put it on my son 's credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND XXXX AND EQAFACTS AND PROBALY XXXX STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted the bureau regarding a collection account that I do not believe I owe as it is from XXXX XXXX at a time when my husband and I were in XXXX. I asked for proof of where this random debt came from twice via certified letters once in around XXXX and I resubmitted a request for proof at the end of XXXX. It is currently XX/XX/18 and I have yet to see any documentation regarding this bill/collection account ( XXXX ) from the credit bureau or the collection agency.

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 2017-04-28
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: Public record information inaccurate

Complaint:
I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankrup tcies ( below ) on my credit report due to Civil Case No.   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  I di d not know the source of their information on those judgments and bankruptcies and due to this,   XXXX   has  violated  the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy Ref. #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated

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