BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I sent XXXX to XXXX XXXX XXXX on PayPal. They said in order for them to ship my item I had to wait until the money was no longer on hold by PayPal since I paid using PayPal good and services. Days passed and I had no updates so ever about my item and the shipment status. Several days after I bought a friend of mine contacted me to tell me that person was a well known scammer and that they have been doing this for a long time. 

I asked the seller for a refund and they said that the money was already in their bank account and that PayPal couldnt do anything. Of course I immediately made a PayPal case, but PayPal quickly closed it. Then as a second option I called my bank and submitted a report for this transaction, but it has been over 10 days and I havent gotten any update from my bank what so ever other that they have cancelled my visa without my permission. The visa registered on my PayPal and which I used to paid the seller has been cancelled by my bank. 

Yesterday I spoke to the seller AGAIN after exposing them for scamming me and hundreds of people. Their response was thousands of posts and I still keep scamming. Many people have exposed them as a scammer since last year, but unfortunately PayPal has not closed their accounts so they just let them do this fraud. 


I have included here pictures of the PayPal transaction as well as the conversation with the seller. 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian did not remove the accounts and/or information I demanded to be removed, they have stated that the accounts and information are verified. Pursuant to 1681i ( 6 ) ( B ) ( lll ) I request in detail a full description of the steps and procedures that Experian took in their reinvestigation process. This request was sent and delivered on XX/XX/2022 to Experian, pursuant to 1681i ( 7 ) ( A ) Experian has 15days from the date of receipt of the request to provide me with this information.

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 2015-05-12
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Paramount Capital Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
collecter violated fdcpa .... he has called a few times leaving very intrusive and derigatory voicemails on my phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: WY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had Wells Fargo for many years and had to switch about two years ago as my questions about service charges, transfer charges, all sort of charges and get never get a resolution. I was even charged {$90.00} for a check to was returned ( was not to have happened as husband WAS added to account ) My late husband left me a large amount of money and when I went to bank for help with accounts etc., I was told to open XXXX different accounts with {$30000.00} in each account and if needed money, I could transfer between accounts. Why not put it all in XXXX account or XXXX at most. The girls last name was XXXX here in XXXX, WY. My many attempts to get help from the local branches was stonewalled by all local people. XXXX woman at the XXXX branch tried to help and must have been told to back off as she told me that even if her supervisor looked at my account and there was nothing they could do, really!!!!! I looked at all of my accounts numerous times and never could figure out all the crazy charges and the bank was obviously not going to help so I left, mad I might add and in talking to many people about this they had they same thing.

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 2015-06-17
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
A {$250.00} payday loan was deposited into a checking account I closed in 2013 from CashNet USA. I might have used this lender in the past but it had to be over 2 years ago. I called the company once my old bank contacted me ( I had no idea this money was deposited until CashNet USA tried withdrawing more than {$250.00} ) and was told I needed to file a police report. I explained my situation emphasizing fact they sent unauthorized money to a very old bank account but they still refused to help. I also offered to send them a copy of my current account statement showing I had absolutely no need for {$250.00}. My old bank ( XXXX XXXX ) is in the process of returning {$250.00} to CashNet USA yet I still received an email stating my account is being turned over to collections. This is a giant scam!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted Credence EBB and they stated that they would accept {$510.00} to settle on my account and I agreed. Then I requested they send me a bill via e-mail and gave them my e-mail address. I was then told they couldn't send me a bill for the {$510.00} and if I wanted to settle on the discounted amount I would have to pay then and there or just pay the {$740.00}. I then mentioned to Credence EBB that if they couldn ' t send me a bill requesting payment that I would not pay. So, as of this point and especially now with the Covid-19 going on. I will not be paying this collection agency who apparently doesn't like to do business the right way. 

Thank you, XXXX XXXX Creditor Acct No : XXXX XXXX Credit Ref : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In my Annual Credit Report from Experian, they have depicted the same previous address twice. One of the addresses is misspelled. When I had filed the Online dispute and had asked them to remove this redundancy - their " Update '' depicts the exact same error " XXXX XXXX, XXXX, GA XXXX ''. The only way to correct their lack of efficiency is to bring it to your attention.

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 2017-03-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Credit card was paid in full through Chase banks automatied system. Chase sent the following statement saying interest was due. Who is this possible if you are using there automatied system and paying off a credit card with all current transactions. There was a XXXX balance on XX/XX/2017 and then interest charged on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently filed for bankruptcy and asked to have my mortgage with XXXX America reaffirmed. Bank of America closed the account instead. 
When I called to ask why they said because they never received theirpaperwork back from the attorney. I contact the attorney, BofA neversent any paperwork. So I called back and requested they send thepaperwork. They assured me they would XXXX it. I waited a week, thepackage never came so I called again. This time they told me they showthe paperwork was requested, but they did n't show that it was sent. 2 weekshave passed and still nothing from BofA and now I am going to miss mydeadline to get this paperwork handled because BofA is doing NOTHING. 
Now I am going to have to request an extension from the court so thatmeans my bankruptcy is still in limbo and who knows if BofA is going todo what they are supposed to do. My attorney told me they are notoriousfor this behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The reasoning for my dispute is I feel like it 's not fair Navient Dept. Of Education Loans to add my late payment history to my report after my bankruptcy discharge..my late payment history occurred before bankruptcy my on time payments history is occurring after bankruptcy so that 's the only thing that needs to be showing up on my credit report.. my late payment history has impact on my credit an it needs to be taking off asap.. '' that 's just like punishing someone today for something they did four months ago it 's not right ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
First of all, my mother sold her furniture business overseas and collected XXXX XXXX dollars and deposited the monies in Wells Fargo ( XXXX XXXX at the time ) before she passed 15 years ago. As the years went by, my Father suffered XXXX SINCE of my mothers death. My sister who was once a XXXX ( XXXX XXXX ) over 20 years ago became a " XXXX '' at XXXX today. My father who suffered XXXX in his XXXX was in the hospital and XXXX. As ME being the POA and the Administrator of my fathers estate, my sister before he died a few years back seen the former co-worker aka XXXX XXXX at the XXXX XXXX Wells Fargo to make a fake account in her XXXX sons name and had stolen over {$300000.00} AFTER his death, and over XXXX was taken from the Widow using HER Name, NOT HIS. I 've hired an Attorney to overlook the case WITH the Evidence from a subpeona to Wells Fargo to PROVE Wells Fargo uses FAKE accounts to attach to innocent bank accounts to STEAL funds from the elderly/XXXX. Wells Fargo REFUSES to answer the question on WHY it was done AND XXXX XXXX to whom I scheduled 2 appointments to speak to never showed up to the appointments to EVADE from the FACTS on WHY she did that with my sister. The BOTH knew my parents and MY financial business to STEAL when a Father was in XXXX and used the POA to stel the monies AFTER his death and continued for a year later AFTER his death. My Attorney advised me to communicate with this site to see HOW Wells Fargo is an unfit business to our customers. The sister stolen the savings, checking, AND Investments accounts with an ILLEGAL POA after my Father passed on XXXX XXXX, 2014. She emptied the savings, checking, AND the investment accounts ILLEGALLY per Wells Fargo 's evidence sent to US!!! The other Wells Fargo employee XXXX XXXX Notarized an Illegal Deed for my other sister to obtain the Estate Illegally when Wells Fargo DOES N'T DO Deeds with their Employees!!!! 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 2022-05-05
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:
1.In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681.

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information other than records of convictions of crimes which antedates the report bemire than seven years. 

15 U.S.C. 1681S-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

list : XXXX. XXXX XXXX XXXX XXXX. {$4700.00} XXXX XXXX XXXX  ( XXXX XXXX  XXXX  ) XXXX {$390.00}

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 2022-05-05
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: Public record information inaccurate

Complaint:
I have put a security freeze on my credit with XXXX and Equifax has stated that they have verified my info on a public record they have obtained. I have already disputed by mail and online. They are obtaining my information that does meet fcra requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I XXXX XXXX hereby files a complaint with the Consumer Financial Protection Bureau ( CFPB ) as my only source to help me with a deceptive collection practice ( s ) from student debt collectors. As your agency may already be aware, the United States Department of Education recently terminated their contract with Navient, as well as other agencies that were supposed to be collecting on nationalized debts, that is debts truly owned by the Department of Education. However, the greed that exist within the debt collection community caught up with XXXX, and many others when the United States Department of Education suspended contracts for deceptive and illegal collection practices. A company known as XXXX claims that I owe a balance in excess of {$5000.00} in student loans. Even though I never took part in any procurement of a debt from XXXX, they ended up being the collection agency for a student debt incurring excessive interest and additional fees. I have requested through complaint to the company directly information as to what company owns this debt. Under the Fair Debt Collection Practices Act I am entitled to this information. I believe that if a debt does exist, it is part of a securitized trust that has been fragmented into small ownership by multiple national banks. There is no proof of ownership, no proof of any assigned power of attorney or assignment of responsibility for XXXX or its successor the Pennsylvania Higher Education Assistance Agency. So it looks like my credit will be dinged and damaged by another collection agency that has no stake in the debt described in the XXXX XXXX, 2016 letter of debt/collection transfer. A recent federal court decision in the XXXX XXXX XXXX XXXX XXXX gives consumers the right to sue the Pennsylvania Higher Education Assistance Agency for doing damages to my credit where they have no right to do so. I believe that I have a right to sue for damages under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. PHEAA has no right to collect just as my challenges to XXXX proved that they had no right to collect. What this agency is doing is trying to hold my credit hostage as a means to use deceptive and illegal collection practices against an American citizen. PHEAA must cease and desist from any actions against me on any student loan collections, and delete any references to a collection on all pertinent credit reporting agencies, and purge my file information permanently. PHEAA must comply with the FDCPA and show proof ow ownership or the connection to collect for any other entity by true copy originality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Flagstar Bank I was continually receiving request for additional information. I provided the information and Flagstar would request updated information. The application and subsequent information lasted XXXX year. I believe I was not treated fairly.

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 2017-01-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I went to school XXXX years ago at XXXX graduated never had a job in my field I went to school for XXXX the loan people is telling me I owe them XXXX now and I never even had a chance to work in that field this is really making my credit report really bad ca n't pay my loan off or even make payments because I 'm still work at XXXX I 'm wage job with XXXX children I do n't think it 's fair when people trying to do something right with there life and it still does not work at as you planned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: T.S. Holdings
State: CA
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:
i have never spoke to them about this collection. i have no idea what this is from. these collections are misunderstood and fraud. they have been on my report without my knowledge. 

In accordance with the fair credit reporting act XXXX  account XXXX & XXXX, IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 usc 1681 section 602 states I have a right to privacy.

15 usc section 1681 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ATM card fraud. {$2400.00} was fraudulently taken from my US Bank account. After filing several complaints, hours on the phone, and being told in writing the fraudulent funds would be credited back to my account within 10 days, it has not happened. It has been more than 20 business days and emails are not returned.

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 2016-03-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank re ordered the processing of debit card and checking account transactions not by original date, but by the date they found would generate them the most revenue from overdraft and NSF fees. 

Rather than processing smaller transactions first, and in the order they occurred, they processed a larger transaction first and smaller ones several days after their original transaction date to charge more than XXXX NSF fees to my checking account. As I am aware, this violates several recent laws that have been implemented over the past several years to limit banks ' abuse of overdraft protection and charging of NSF fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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:
According to the fair Credit Reporting Act account # XXXX and XXXX has violated my rights Everything has to be 100 % inaccurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating an account was removed but the bureaus say it's accurate. This is grounds for removal. 

XXXX also violated the law because according to XXXX U.S.C XXXX section XXXX A. state 's I have a right to privacy XXXX XXXX. XXXX section XXXX A. section XXXX also states a consumer reporting agency can not furnish my account without written instructions. 

I did not give anybody written instructions.

Company response to consumer: Closed with explanation