BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
How is case XXXX closed? It also says I filed a chargeback and was ruled in my favor. None of this case out come it true. I sent documents of the outcome of the dispute. I'm wondering either if you can't read or didnt view the documents. Im personally aggravated with your responses as if you purposely answer in an uneducated manner to make it complicated. Can you please stay focused? 
On XX/XX/XXXX you received payment returned to you for the amount of {$5000.00} that was to be returned to* XXXX , ( transaction ID XXXX ). Merchant XXXX XXXX has yet to receive these funds. I have enclosed the outcome of the case more than once to you. I have also supplied you with documents that you received returned funds from XXXX XXXX in the amount of {$5000.00} to satisfy the funds held in XXXX  XXXX  account. 
Today XX/XX/XXXX I did not receive a notification that the case was closed which I find odd. But it is showing that you closed the chargeback case stating it ruled in my favor. Where do you get this? That is highly the case. I have a document from XX/XX/XXXX regarding the case that the funds of {$5000.00} were returned XX/XX/XXXX per merchants response to the chargeback case. 
If you look at my XXXX bank statement from XXXX XXXX it shows that the funds from XX/XX/XXXX were rebilled back to you in the amount of {$5000.00}. It is listed as XX/XX/XXXX on the bill followed by another transaction purchase XX/XX/XXXX. This is proof of payment returned per chargeback dispute to you PayPal. 
Please do not overlook my documents which contain proof of your wrongful case closing. 
Please refer to XXXX XXXX document dated XX/XX/2020 XXXX paragraph where it states XXXX XXXX does not reach out to third parties such as you PayPal discussing case details. Please note case details will not be shared with you due to security and privacy concerns. 
I would like to know how you closed this case? It is completely invalid. 
Where are you getting your information? If escalated legally you will need educated answers to this this information you claim. My supporting documents show you are lying and stealing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ARS account resolution never sent me any notification about this debt, if they did I would have disputed the validity of this debt immediately. ARS account resolution is in violation of the Fair Credit Reporting Act and must remove this from my credit immediately because they have violated the law.

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 2015-06-23
Company: Associated Credit Services, Inc.
State: CT
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 went to take out an auto loan and found a mark on my credit report that surprised me since I 'm still a customer. Associate Credit 's customer XXXX gave them a wrong address to contact me with a past due bill. I have been a customer of XXXX since 2006. XXXX uses social security numbers to identify customers to accounts. Associate Credit did not attempt to collect information from their customer after not being able to reach me by phone or mail and simply just reported me to XXXX XXXX. If they had made contact with their customer, they could have found the error themselves or could have obtained my current address. This has caused damage to my credit. I was unable to obtain an auto loan due to this error. If I had been contacted with this bill of {$130.00}, I would have paid it immediately. I 'm also filing a complaint against XXXX for not combining the XXXX bills, since I 'm still a customer with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
the company servicing my loans is Navient. They have refused to remove missed payments from my credit report when my loan was in forbearance. They reported a missed payment on each of the 8 student loans have which dropped my score 100 pts. I am an XXXX for the past 4 years in XXXX Florida and I cant even get a car loan because of this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On, XX/XX/2020, I wrote to them requesting an investigation into items that I believed were INNACCURATE. Under federal law, they have thirty ( 30 ) days to complete there investigation. It has been well over 45 days, almost 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: FL
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:
EQUIFAX REFUSES TO CORRECT MULTIPLE INACCURACIES THEY HAVE BEEN NOTIFIED OF MORE THAN 20 TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX {$1800.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account with US Bank. On Tuesday morning ( XX/XX/2016 ) I checked my balance online, it was {$92.00}. On Wednesday morning ( XX/XX/2016 ) I checked it again and my available balance ( including pending transactions ) was - {$0.00}. There were XXXX transactions pending ; {$55.00}, {$22.00}, {$12.00}, and {$10.00}. I knew the {$10.00} was going to turn into {$14.00} because of a {$4.00} tip that would be added to the initial transaction and transferred enough money from XXXX account to cover this. I accept full responsibility for being overdrawn. I thought the {$55.00} transaction had gone through a couple weeks before, but the company waited to charge my account until the product had shipped. I assumed I may be charged a overdraft fee for this mistake and rightly so, but instead I was charged XXXX over draft fees. No matter what order they would have paid them in ( largest to smallest, smallest to largest, or the just the order they were received ) only one should have put my account in the negative. Again all XXXX transactions were still pending when I transferred money to cover them. Also, when I opened the account I was adamant about signing the paperwork so that the bank would reject transactions if there were insufficient funds. US Bank informed me that they considered all XXXX transactions overdrawn and they would not rescind any of the overdraft fees. I believe this type of unfair, unethical policy is why the CFPB was created and would like its help in getting XXXX of the for overdraft fees rescinded. Thank you

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 2017-03-13
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My US BANK PLATINUM VISA CARD FALSELY REPORTED TO ALL CREDIT AGENCIES that I made a late payment when in fact I had paid off the credit card for years! 
It is totally astonishing that US BANK PLATINUM VISA CARD company made such a huge error that has such a negative effect on my life. After years of building a perfect credit history, and paying off all my credit cards, I applied for a home loan only to find that I have a " LATE PAYMENT '' reported by your company ( Sometime around XX/XX/2016 ). I found that very alarming because I had just paid off my US BANK PLATINUM VISA CARD and my balance was at {$0.00}. After I paid off the US BANK 'VISA I was shockingly charged a {$2.00} 'interest charge fee ' ( on a balance of {$0.00} ) then a 'LATE PAYMENT FEE ' for {$54.00}?! Worst yet, I did n't find out until MONTHS later, after the company submitted a damaging report to credit agencies FALSLY reporting that I had missed a payment! These charges were quickly reversed. However, my credit score is STILL DAMAGED : I was refused a home loan because of US BANK PLATINUM VISA CARD 's FALSE CLAIM! 
How can such a massive heartless blunder still occur? What measures has VISA company taken to prevent this from happening to another innocent person in the future?! 
My request : send a letter of correction to retract your previous false report to all credit agencies with the same expediency and vigor which they erroneously charged my inactive account interest fees, then late payment fees and then falsely reported against my credit ... They did nothing.

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 2016-05-01
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank Home Mortgage is the servicer of my home mortgage. It was " modified '' under the HAMP (? ) program in XXXX. Last month, my statement indicates " all mortgage payments are due on the first day of the month '' and after the first day are determined to be late. In other words, the 15 day window in which to remain current with the mortgage is gone. They also said they will assess a {$5.00} fee to use auto debit payments from a bank account. I do n't find anything in my mortgage documents to support such policy and fee arrangements. Also, regarding PMI payments : my principal is {$100000.00}. The market value of my home is over {$170000.00}. XXXX refuses to release the requirement for PMI. I do n't believe this is justifiable in the current mortgage market.

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 2020-12-29
Company: Filo Mortgage, L.L.C.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was guranteed in writing a refund for origination fees i.e. {$980.00} within 7-10 days of loan funding by FILO MORTGAGE , L.L.C . ( NMLS # XXXX ). However, they only send me partial refund of {$320.00} claiming there was an error in system and have stopped responding to my emails. 

I was working directly with FILO 's CEO XXXX XXXX ( NMLS # XXXX ), last I heard from him was XX/XX/2020, my loan was funded on XX/XX/2020. They also ripped me off on the rate, the prevailing rate at the time was 2.125 %, they jacked it up to 2.25 % which increased the payments by {$20.00} amounting to {$3600.00} in extra payments over 15 yrs.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America wrongfully denied a claim about services not rendered and removed a credit of XXXX dollars without warning, it led to a long chain of repeated overdrafts and hardship during this pandemic. They then applied three different overdraft charges for the same transaction

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 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I 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. 

XXXX XXXX, Date : XX/XX/2017, Account # : XXXX, Amount : {$280.00}, Date : MAIN XXXX XXXX NOT MINES. IM TRYING TO KEEP MY LIFE HERE IN AMERICA. ITS NOT MINES I SENT A LETTER PLEASE. THE COMPANY IS NOT RESPECTING. THEY SAY NOTHING AND KEEP HARASSNG ME. PLEASE DO SOMETHING

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Yesterday, XXXX, XXXX, 2016, I personally went to USBank, XXXX XXXX XXXX Branch to inquire about my Cashier 's Check that I never received. Go to find, XXXX XXXX, Personal Banker sent the Cashier 's Check by XXXX, but the Check never arrived. XXXX, Personal Banker gave me a print out of the XXXX information. I then, checked with the Drop-Off Location, XXXX Store # XXXX, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, CA ( XXXX ) XXXX. They only had a record of it being dropped off on XXXX XXXX, 2016 at XXXX XXXX. So, they told me to call XXXX ( XXXX ) XXXX to locate the check and I found out that the check was " LOST ''. They CAN NOT find the location of the check since it was dropped off at the hub in XXXX XXXX, CA. Now, since the check is LOST it needs to be investigated and it will take time to locate. 

I went back to USBank to explain what happened and there was " NO ONE '' in charge. " NO BRANCH MANAGER '' nor " NO ASSISTANT BRANCH MANAGER '', only the Personal Bankers that told me there 's nothing can do for me. They firmly said, they " WILL NOT VOID '' the LOST CHECK, nor will they " ISSUE ANOTHER CHECK ''. And, that I had to wait 90 days until they resolve this issue in order for them to issue me another Cashier 's Check. What kind of bank business is this? It makes " NO SENSE '' whatsoever. The FACT that I am reporting this check being " LOST '' by XXXX, they are still adamant to not issue me another check. SERIOUSLY?? 

Firstly, XXXX XXXX, Personal Banker took it upon himself to " CLOSE '' my Checking Account without notifying me by phone. Secondly, he had the Branch Manager XXXX XXXX XXXX send me a letter which was sent " Regular mail '' that, I received with no problem ( why did n't they include the Cashier 's Check in that envelope )? On the letter it states that it was sent " Certified Mail '' which is a " LIE '', because the envelope has no notification of it being sent " Certified Mail ''. Thirdly, my Funds are lost and they want me to wait for 90 days before they issue me another Cashier 's Check with " NO FALUT '' of my own. I find this to be completely " UNFAIR ''. 

Instead of the Personal Bankers, being helpful and apologetic ; they treated me with total disregard and disrespect.

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 2016-05-24
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was just charged XXXX more NSF fees from my bank. I specially got a cash advance to cover any debits When I checked my account on XX/XX/XXXX all my charges were still showing pending. I am not sure what time in their system items posts. I am not sure if they are posting those items even before the merchant requests payment. They are paying the smaller items first than the larger one, so instead getting XXXX fee you get several. I was charged {$140.00} in fees which is all the money I have. I can not even put gas in my car to get to work or buy food because the deposit I made missed. I just paid {$580.00} dollars in fees two weeks ago, which I did not dispute. My whole payroll check went to paying fees, I could not pay XXXX bill. If I request to have them waived, they do not care because I have had other fees waived and if it was not a bank error.

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 2015-04-10
Company: National Principal Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received XXXX calls from a person naming herself XXXX XXXX : She stated in the message that legal claim was filed against me and that I should call XXXX for more information. She gave the docket # XXXX. She called my Cell XXXX times and my job XXXX. Saying she had to verify information to serve me or call the company, XXXX XXXX XXXX and also Lakefront Processing Solitions. She left XXXX company names in the voice mail. In calling the company I spoke to a XXXX who stated I owed a Pay Day loan from 2012, I stated that was not possible as I did not request a pay day loan was for XXXX 2012. He then said the company was called XXXX that gave the loan. I advised that the loan was not mine, my credit report did not see this loan at all and he said well good luck. To which I replied I am putting a fraud alert on my credit. I have noticed that looking up this phone number and company name, that they have been calling lots of people in order to collect debts from the same month and year. They appear to be phantom debt collectorsThey appear to have a parent company as this name is a Ghost Business in the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, New York, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: DriveTime
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have disputed this several times. With CRC and agency. I have provided payment schedules along with letters from the CRC. Drivetime.., is the company I have my car loan with. From XX/XX/XXXX thru XX/XX/XXXX.., I attempted to make actions to pay off my loan early and thus, by recommendation of Drivetime, started making payments 1 1/2 times to 2 times required payments. However each month seemed I owed monies when I prepaid. I attempted to resolve this .., but received little to now cooperation. XX/XX/XXXX payment was collected of which Drive Time did not give me credit for and showed my car as being repossessed. At this point I requested an Audit of my account and after 3 months, my funds were finally applied. However my payments status and balance were still in question. I have tried 15 different times and at least 20 hours of phone time to try and get the payment schedule along with how my payments should have been allocated corrrected to no avail. Seems DriveTime made attempts to get it right and then will report incorrectly again and again. I have been working to get my credit straight for almost 2 years to purchase the home I currently live in. These errors with Drive Time have not only cased a monetary hardship for me but is directly affecting my ability to be mortgage ready. ( needless to say I am still renting a house I should have been able to buy several months back if this issue with DriveTime did exist. ) I am truly at a loss and really do n't know where to turn. I do have a payment schedule I requested from Drivetime, which does reflect my prepaying several months in advance. However, per my last conversation ( which I have ever conversation documented date and times ) I was told by a Drive Time customer service rep., there had been errors made to ALL customers in terms of reporting for XX/XX/XXXX and the entire year had to be resubmitted. I did ask to speak with her manager and she informed me there were no managers at her level I have XXXX basic items first, why has DT reflected 30/60 days late when in fact I prepaid months in advance.. and per serveral conversations with DT wanted these errors corrected. And I believe based on the misappropriation of my funds paid my balance is higher than it should be. I would like to have these things fixed and some kind of monetary compensation for the out of pocket expenses and hardships experienced due to these issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear sir or madam, My original complaint : This is regarding my PayPal account created in my name : registered email address : XXXX My account was permanently limited with a vague explanation of their " terms of service. '' Only after I filed a complaint with the XXXX  did they give an explanation but it is not satisfactory. They said they will put a hold on my money for 180 days. At this time I have over {$600.00} in my account and it is a lot of money, and quite a hardship they are keeping it, during this pandemic. 

My updated complaint : After 180 days have passed, Paypal broke their promise and did not return my money. They accused me of receiving my earnings through XXXX which is not true. They took my balance and deducted it to XXXX, so Paypal basically stole my money, hiding behind their " terms of service. '' I want my money NOW, and I don't want to hear any more excuses from Paypal. 


Please help me. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation