BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint is with PAYPAL. Ive used PayPal for quite some time. So last year ( XXXX ) I filed my taxes for the year XXXX. I used the routing and account number on my PayPal for direct deposit. On XXXX XXXX XXXX XXXX  XXXX the IRS direct deposited my tax refund into the routing and account number issued to me by PayPal. So the XXXX comes and goes and then the XXXX and so on and so on. I spent HOURS on the phone day after day for aver a week. PayPal tells me they dont see the deposit. After I called several times a day for days I conyact the IRS. They verify the routing and account number and they are correct but the lady says this is a XXXX XXXX account number you gave me. I tell her I do not have a XXXX XXXX account. So she gives me the number to XXXX XXXX and I call XXXX XXXX and XXXX XXXX tells me that the money is there. XXXX XXXX give me a transaction ID in a trace number for XXXX XXXX to give to PayPal so they can locate the money. I call PayPal back PayPal says XXXX XXXX is not allowed to give me that information I said well they did they said they can't verify the money 's there I said they did two managers XXXX anybody activity at the highest chain and they said because they had already done three traces and didn't find the money that was all they could do. I said no the money was put in the routing and account number that you guys are assigned to me and I would like my money. Went out PayPal has revoked my account I can't even contact customer service I can't get in my PayPal account they have changed my account number to my PayPal and I still have not got no money. The refund amount is {$1100.00} just sitting there that I have no way to retrieve. I called the IRS bag they said that they did their own Trace but by law they have to give them 90 days to respond that was as of XX/XX/XXXX. So I call XXXX XXXX bank and ask XXXX XXXX can I just go to a XXXX XXXX and get my money out and they said no because this account is owned by PayPal. So now I'm stuck with no ways to get my last year 's income tax and I'm I'm frusterated and I don't know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: FL
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received two emails from TDBank.com " welcoming '' me as to the opening of : 1. a TD Beyond Checking account ( XXXX ) and a TD Growth Money Market account ( XXXX ) and 2. a TD Convenience Checking account ( XXXX ). I called them immediately and was told by their agent ( XXXX ) that they would be reported and " flagged ''. Then on the next day ( XX/XX/XXXX ) I received another email from them reporting the two Debit Cards ( presumably one attached to each checking account ). I immediately called TD Bank and spoke with other agents ( 6 over 3 days ) -- each time I tried to get through to the Fraud Department I was required to give my SSAN to the agent ( s ) in order to progress to a solution. I called on XX/XX/XXXX at XXXX and finally got through to the Fraud Department . She ( XXXX XXXX said that the accounts were " flagged '' and I could not get anything in writing ( either USPS or email ) confirming that I had reported this problem to TD Bank or that they were actually closing any of these accounts. I asked to speak to a supervisor and finally got through to XXXX who would not give me any kind of trackable number or name that I had actually tried to close any accounts. She told me that I would have to get a police report and subpoena TD Bank in order to effect a resolution. Over the 3-day period, I was on hold or working with multiple TD Bank agents for over 5 hrs. I am sure that the person who went on-line and opened these accounts spent less time than I did in trying to get my name off of these accounts. I wrote a " snail mail '' letter to the CEO of TD Bank but I am sure that I will receive NO response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
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: Information belongs to someone else

Complaint:
Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, Executive Assistant at XXXX ; XXXX XXXX ( XXXX ), President, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, CEO, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to SUE ME! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, SSN Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost 3 years ago! Please CFPB take action against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received collection notice from Wakefield and Associates for a medical debt that did not exist. When I called in the representative attempted to get personal information. When I began to question and let them know I would be reaching out to the company in which the alleged debt was owed, they became very aggressive with their communication. After confirming with the company that there was not a outstanding debt I called them back to seek further information and they again started asking for personal information but different questions this time. It appeared that this was an effort to collect as much information as possible for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately. 

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 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 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 XXXXXX/XX/XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2017-04-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX   XXXX  - Navient statement reflects I am close to paying off my loan.    XXXX  - ca ll Navient about my  final payment because I owe less than my monthly payment of {$450.00}, told I would receive refund.    XXXX  - received refund check from Navient for {$64.00}  XXXX  - received of of letter of congratulations dated  XX/XX/XXXX  on paying off my loan.    XXXX  - received a letter dated  XX/XX/XXXX  stating that an incorrect payment was credited to my account and removed and my payment was past due. The principle due was not included on the statement. The statement also said the next payment was due  XX/XX/XXXX .    XXXX  -   XXXX   payments began to be deducted again. My interest payment went up because they did not make a deduction in  XXXX . Have yet to call about that!       Numerous calls were made to Navient. I had shredded my paper statements thinking I had paid off the loan when come to find out I actually still owed about {$13000.00}. I asked for a hard copy of all payments. I was not happy that the information did not show the declining principle.It also did not show the mistaken credit to my account but when I looked at my account on line it shows a transaction on  XX/XX/XXXX  with  XXXX  payment. All other transactions occurred on the second day of the month.       During one call my husband made to Navient regarding crediting our account by mistake he was asked if he knew a  XXXX   XXXX .  XXXX   XXXX  is my older brother who lives in Massachusetts! I made a call to my brother asking if he had recently had any problems with Navient. It turns out he and his wife made a payment to Navient in  XXXX  of  XXXX  to pay off their loan.They were harassed by Navient from  XXXX   XXXX  to  XXXX   XXXX  for non payment even though they had the cancelled check Navient had cashed!! It turns out that Navient my brothers payment to my account! How this could occur I do n't know.    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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: Account status incorrect

Complaint:
XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or notic e of foreclosure. However, my credit report shows I 'm delinquent.

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 2017-04-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . The Bank  XXXX   XXXX   XXXX  was conveyed  a Trustee 's D eed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin  a Wrongful Post-foreclosure eviction. On  XX/XX/XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   advised the Court they would not   eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they  were only responding to a dispute letter. They had sent me no default letter, noti ce of Acceleration, or notice  of foreclosure. However, my credit report shows I 'm delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.

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 2017-12-25
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I can not access my coinbase account : www.coinbase.com, The website will not let me login in the past past 21 days. 
The account uses my email address ad they do have my cellphone number ( for the second password ), my Driving license, my last bill, my photo I asked them more than 30 times through email, website-help tool, and 3 times phone request and they did not reply to any of my requests. 
I informed them that I wanted to sell my bitcoin and I need the money that I have in MY account, and I can provide whatever evidence for the identification purposes if the issue is because of that, but I have not revived any reply. 
I also asked if it is possible to provide me the reason beind blockng my account, but they have not replied either. 
I also informed them two weeks ago ( when the price of bitcoin was 50 % more of today ) that I want to sell my bitcoin, and I need the money ASAP, and I could provide them with any information that they need to open my account, but they did not replied back. 
After talking with them on the phone ( almost a week ago ),  their representative told me he can not help me at all, and after I said " Should I talk with a lawyer? '' He replied " No I wont do anything '' and then he hang out the phone. 
Again, I emailed them and beg them that I need the money, and I am XXXX and I need my money back, and this is not ethical to keep my money for no reason, they simply blocked my email so I can not submit any request any more. 
At time I had access to my account I had more than 9K in my account, all of my saving, and wanted to cash them for the new year, and they did not let me. 

I do not have any option in mind, they did not provide me with a single reason for blocking my account 21 days ago, and keep asking them they simply do not care. 


** I PUT MY FIRST AND MY LAST EMAIL AS A REFERENCE TO THIS REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After noticing the collection on my pristine credit report for {$350.00}, i called the creditor identified on the report " Law Offices MBA " with original Creditor as " XXXX XXXX '' on XX/XX/2022 and informing them of the wrong assertion being made against my credibility report, i was asked to file a police report to correct their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: CarMax, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX CarMax Inc received a bill of sale with a acceptance for value, special indorsement and a statement of the facts. XX/XX/XXXX I received two documents, a welcome letter and a notice of Reassignment. Can CarMax please respond to this complaint with a valid contract attached to it. XX/XX/XXXX I have no valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
A couple of months ago, while trying to get in touch with customer service at Bank of America, I was transferred to another department who told me out of the blue that I owe a {$290.00} appraisal fee from 2009. As a result of XXXX due to XXXX in the military, my income decreased substantially and foreclosure proceedings were started on my property. When I received back-pay from the XXXX XXXX that was owed to me, I pulled the house out of foreclosure and I 've never had a late payment since then. I did n't know an appraisal was done in 2009 or that I 've owed Bank of America {$290.00} since 2009. XXXX XXXX refused to waive the fee and after I asked to speak to a supervisor she put me thru to XXXX XXXX ( or XXXX ) voicemail. I left multiple messages and he never returned my calls. I called Bank of America 's customer service number multiple times, and sent multiple messages to them via their website, and they continue to refuse to waive the fee. One phone representative said, " Why should we waive the fee when you 're the one who did n't pay your mortgage? '' I asked them how they could 've done an appraisal back in 2009 without access to the interior of my property, and they said the appraiser walked around the outside of the house. So, I was charged {$290.00} for an appraiser to walk around the outside of my house? I never gave permission for an appraiser to be on my property, I do n't think a 2 minute walk around my house meets the definition of an " appraisal, '' and it definitely is n't worth {$290.00}. This fee is also attached to the HELOC for some unknown reason instead of the XXXX mortgage. I 'd like Bank of America to waive this fee.

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 2022-02-05
Company: Nelnet, Inc.
State: LA
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:
My student loan servicer is Great Lakes. I work in public service. I am trying to get a mortgage. The lender needs to see a non-zero payment amount on my credit report, so on XX/XX/XXXX, I contacted Great Lakes and was told they would report my correct monthly payment of {$230.00} if I took my loan out of the COVID freeze. 

I took my loan out of the COVID freeze and started making payments. However, Great Lakes has continued to report my monthly payments as {$0.00} rather than {$230.00} that shows on my Statement of Loan Obligation. I have repeatedly contacted Great Lakes and been told to wait until the end of the month and see if it fixes or to file a dispute. I did file a dispute, and Great Lakes again reported my payment as {$0.00}. I have records of call, chat, and email dates. 

Great Lakes has left me in a position that I'm making payments that are not in my interest to make ( I'm XXXX out of 10 years into a public service position and will presumably qualify for PSLF ) but unable to get a mortgage. I am unable to purchase a home. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Since XX/XX/2021 I have tried on multiple occasions to fix my personal incorrect information that is on my credit report. I have sent multiple letters with no responses. All of my letters have been ignored. All I wanted is my drivers license and proof of residence information to match. The information reporting on my credit report is incorrect.

Company response to consumer: Closed with explanation