BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-28
Company: REGIONS FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I initiated an online purchase for an item from XXXX XXXX for {$300.00}. I miscalculated the purchase and my account had {$300.00}, short by {$1.00}. The transaction should have been declined by Regions bank as it has in the past. This time Regions bank authorized a partial approval XXXX  out my account. My account DOES NOT have an overdraft program intentionally. I only keep enough in my account for specific transactions. I caught the problem after the merchant notified me. I deposited {$40.00} more into my account via ATM. I asked the merchant to debit the {$1.00} difference but they couldnt. I canceled the entire order. I spoke to a merchant supervisor and she stated that the bank had authorized in error and she reordered the item requesting full payment again. Once again Regions authorized a partial payment of {$40.00} to the merchant despite the merchants request for authorization for {$300.00}, zeroing out my account.The original {$300.00} was not returned and is still showing pending. This second attempt by the merchant should have been declined as well. This is a purposeful attempt by Regions bank to charge overdraft fees. A Regions bank supervisor refused to admit any wrongdoing, blamed the merchant and lied to me claiming that the merchant must have requested a lesser amount ( RIDICULOUS ) Regions was fined XXXX XXXX 4 years ago. Its time to investigate them again. If Regions bank is trying this with me, how many hundreds of thousands of citizens are they doing this too, during a national emergency of all things ( APPALLING ). The merchant states that when an order is canceled they release all funds immediately. Regions bank still has a pending hold on my funds {$340.00} ... 24 hours later.

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: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was scammed by an entity posing as XXXX. They sent me notices that my XXXX protection subscription was expiring soon, which is true. The notices had the real XXXX logo and looked real. I clicked a button on the notice to pay and was taken directly to Paypal. After I completed payment, what appeared was a sign that said I had made payment to " XXXX XXXX. '' I contacted XXXX and was told XXXX did NOT send any of the email notices about my subscription expiring ( even though my subscription will be expiring soon ) and the payment did NOT go to XXXX. I contact Paypal within LESS than an hour to tell them I was scammed and a victim of fraud. Paypal told me I had to resolve it with the " seller '' How can you resolve something with an entity with criminal intent that purposely scammed you and took your money? Paypal would NOT do anything to help me. They would NOT stop payment from going through. I asked a number of times and kept getting virtual assistance which denied my requests. They told me I had to file a complaint. I wrote out a complaint and had to give my personal info including name and adress, which I did thinking it was going to Paypal. Instead, Payplay sent that directly to XXXX XXXX. So now not only did they steal my money, now I am in danger of ID theft. Paypal would NOT do anything to help me. They closed my case. Paypal only cares about the money that they receive from processing fees from transactions. They do NOT care about all the people losing money from being scammed on their site. I saw in their " community '' that others have suffered the same fate I have and Paypal does NOT do anything to help people. They do NOT investigate or stop these criminals from continuing to prey on innocent people by using Paypal. So Paypal is complicit in these crimes. This may be the transaction number : XXXX I'm not certain. I made many attempts contacting Paypal, spending several hours online, only getting virtual and automated assistance. It was very exhausting and frustrating. I also believe, because I am a senior citizen, over XXXX years old, this is also elder abuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I purchased my XXXX home with a loan from XXXX mortgage company. XXXX listed I was behind 1 month 's payment. I filed a dispute with the XXXX because I never missed a loan payment. I requested a payment history, but did not receive it. I also requested my late payment and fees be removed from my account. 

* On XX/XX/XXXX, XXXX sold my loan, before resolving the missing payment issue. The loan was sold to XXXX XXXX XXXX  XXXX. I requested a loan payment history in order to rectify the missing payment. XXXX XXXX accessed an additional month of no payment. ( XX/XX/XXXX ) I sent canceled check to have the additional month of non- payment removed. It was not. My loan was sold, again. 

XX/XX/XXXX, Rushmore Loan company acquired my loan. I immediately send copies of my disputed XX/XX/XXXX payment, proof of insurance and requested a loan payment history. In the beginning of XX/XX/XXXX, I received a foreclosure letter from Rushmore. I received notice of lender placed hazard insurance. ( I submitted proof of home insurance ) I also received a letter indicating my yearly adjustable mortgage would increase {$300.00} in 60 days. 
In the 16 years of owning this home, the yearly adjustable rate mortgage has adjusted once annually, XX/XX/XXXX. ( not 2x annually ) It appears Rushmore is not honoring the terms of my original mortgage contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a dr in office routine visit post pandemic with XXXX medical that resulted in {$1000.00} plus of charges after insurance. I called the dr office to understand the charges. I never got any call backs or explanations. No-one explained the charges or checked upfront ( as requested ) that insurance would cover the exam. Next I know there is a debt reported on my credit for under {$500.00} this XXXX and no-one from progressive management systems called me to try to resolve the issue. Very disappointing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
my federal student loans were sent or sold to Navient after XXXX It was no way i could make those payments that Navient was ordering me to pay so when i heard about the student loan forgiveness program i jumped on it. The way that it was set up is i qualified for consolidation and i had to pay XXXX and my loans with Navient were consolidated thru another company who wrote Navient a check for my full balance owed on all student loans. Since almost a year ago when this happened I was getting late payments reported on my credit reports after they was paid in full. Student loan I had with Navient are now showing closed and paid. I have called them numerous times and ask could they remove the accounts off my credit report so maybe i will be able to purchase a house XXXX day. I have been told by Navient that they will not remove because by law that was something they could not do. How is it they can put something on your credit to ruin you but cant take it off to help. I just dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: AES/PHEAA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Student Loans falled under XXXX XXXX XXXX XXXX XXXX   Program all loans were paid in full by Government and President Trump 's new Forgiveness Program for military Veterans. 
XX/XX/XXXX called IRS and US Treasury XX/XX/XXXX called Department of Education XX/XX/XXXX called XXXX  XX/XX/XXXX called Fed Loans And continue to called untill XX/XX/XXXX and still nothing has been done.

Remove Immediately Fed Loans Department of Education loans On all 3 credit reports and listed 6 different areas, this caused me to become XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: The CBE Group, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have called numerous times to this agency to ask for an itemized billing statement and each time I am told it will either get faxed to me or mailed to me. I never have received the information I have requested other than a simplified statement. The reason I am asking is because I have the suspicion that I have paid XXXX separate agencies for the same merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is an old  Secured    XXXX   XXXX   card from   XXXX  , it was sold by  Midland fu nding, whom can not verify this account as I was told it was sold an d i would have to deal with the purchaser. Midland Funding can n ot verify this debt and  XXXX  has no right to charge off a Secured Card and refuse to help. I will not deal wit h Midland Funding because they have no agreement from me to take over th e account and the balance also has interest added to it, they can not charge me interest on a charged off account, I did not apply for this card through midland funding and as they do not have my application, they have no authority to collect this debt, they are not a Bank and i have no agreement with them. they reported this to all credit Bureaus as a charged off collection account, yet they have no authority to report it and they know this debt can not be reported by them as they can not prove i owe THEM!  XXXX  told me  Midland Funding Bought this account, but i do n't recall selling it to them.   and since they can not send me a copy of my application, the y need t  o delete this from their files. it is nearing 7 years old, s o it should be removed anyway but i want them to know they have no rights to collect a debt secured by my savings account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13
Company: EQUIFAX, 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 have an account with XXXX XXXX for an auto loan. The account is no longer with XXXX XXXX. It is now in the possession of a lawyer whom is taken care of it separately. This account should be removed since its no longer with XXXX XXXXI contacted XXXX XXXX through Consumer Financial Protection Bureau and all they said was they cant do anything about the account since its no longer in there possession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection company ic system has me on collection for the amount of {$110.00} this amount was settled for the amount of {$87.00} I believe, when I call att they say I do n't owe nothing, so I do n't understand why this still shows in my credit report?

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 2020-03-28
Company: EQUIFAX, INC.
State: GA
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:
Before and after closing this account in XX/XX/XXXX, XXXX Mastercard c/o XXXX XXXX  added late charges and interest to the payments which made it impossible to make minimum payments. My spouse lost his job XX/XX/XXXX and I continued to make minimum payments but XXXX reported that no payments were made. I made arrangement with XXXX in XX/XX/XXXX of {$140.00} XX/XX/XXXX and {$47.00} for 5 months thereafter to be automatically withdrawn from my bank checking account each month. On XX/XX/XXXX, {$140.00} was withdrawn from my checking account, yet XXXX XXXX  reported that it was a missed payment to the three credit bureaus. This is fraudulent and predatory lending by XXXX as they are the account holders of a few of our other accounts where payments have not been reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are AN 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 has inquiries that are double inquiries such as XXXX XXXX XXXX XXXX and XXXX XXXX. There are also inquiries from companies XXXX XXXX did not notify me of checking my credit with such as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

XXXX has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are XXXX XXXX, XXXX XXXX XXXX, XXXX ( 2 times ), XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 

I have called each company to have these inquiries removed and they denied me and the request to have inaccurate or expired information removed.

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 2016-04-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Medical provider for my daughter referred a {$540.00} debt to I.C. System XXXX XXXX XXXX. I.C. System will only accept payment by credit card if it is processed through " XXXX, '' which charges a {$30.00} fee to process the payment. The effect is that it charges debtors a {$30.00} fee in order to pay their debts. My understanding is that this violates 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 2017-05-23
Company: EQUIFAX, INC.
State: GA
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:
XXXX   & Equifax Credit Reporting Agencies are r eporting inaccurate credit information on my credit file regarding   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  accounts. Their reporting that my current payment status i s 120plus days pa st due when in fact the account were transferred to another lender and paid. I have filed several disputes with the CRA and have contacted the   XXXX   XXXX   XXXX   XXXX   for the information to be corrected to no avail for the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal conducted an unauthorized credit inquiry on XXXX XXXX, 2016 on my credit report. Because they enrolled me in a PayPal Credit without my knowledge or consent, making me use Paypal Credit for purchases instead of my credit card and mishandled my dispute about the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Nationwide Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX Affirm XXXX 2022. Regarding account that is listed on my credit report. I talked to someone in the fraud department. XXXX. She said someone from the fraud department would be reaching out to me. I asked how will they reach me. Because she never asked me for my number or email address. She said email. I said to the rep do she has my email on file. She said yes, I asked her to verify. The email address confirmed was not mine. She began to say that they would call. 
Someone apparently has my phone number associated with the Affirm account that is not mine. Ive never had an account. This is not mine. I want this account removed from my credit file. They have not been able to tell me what information they have regarding the Affirm account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax continues to report a medical bill of {$100.00} on credit report that has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened a credit card at a merchant when purchasing lawn furniture and hot tub. I was told the furniture had no interest if paid in XXXX months and the hot tub, no interest if paid in XXXX months. I have been paying over the minimum payment all year, and now received a call that Wells Fargo, the card issuer, is charging interest. I am baffled, since my balance is much lower than the lawn furniture cost, since I paid more than the minimum every month. Now, the woman is explaining it is XXXX different types of promotions and it depends on the way they applied the payments. I am very upset with how poorly the promotion was explained. I have been fortunate enough to use deferred and no interest offers through different banks and never had this problem! Wells Fargo needs to be reigned in.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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