BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i was using a company XXXX for my phone service for many years recently there were weeks with poor or no service. My renewal date was XX/XX/20 on XX/XX/20 i received an email from them stating that on XX/XX/20 they generated an invoice for {$180.00}. immediately i responded and said don't bill me i'm not renewing my service.On XX/XX/20 they billed me anyway with out my consent. I waited till it posted on my account when i called capital one to dispute the charge.During the conversation capital on called XXXX and they said they will give full credit as long as you return their equipment with in 30 days.I didn't trust them so i asked capital one to give me credit on XX/XX/20 capital one gave me credit.I sent back the equipment immediately and XXXX sent me an email on XX/XX/20 that they received it and were finalizing the credit.On XX/XX/20 to my amazement capital one rebuild me for {$180.00} i contacted capital one and asked them what happened, they said the merchant gave them documentation to warren the charge.they told me if you want to dispute it to down load docs and i did. I called capital days later and they didn't help me. capital one took the dispute to visa before asking me for docs and now that i sent them docs showing that i canceled a week before the service date and was charged against my willing they still wont help me therefor i am sending you all the emails and asking you to step in and help me. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Paypal decided to shutdown my account arbitrarily. And are currently holding my balance of {$1900.00} and are planning on holding it for 6 months. In addition to that, I have additional {$360.00} in ebay gift card they are no longer honoring. I 've contacted paypal and ebay several times and all they do is bounce phone calls back and forth. And blame each other. Someone has to be responsible for returning the gift card balances back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
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:
XXXX XXXX XXXX sent me to the a collection agency by the name of IC Systems Collections. I have communited with both companies and they continue to refer me from one company to the other. I cancelled the account before I filed a BK, called XXXX XXXX XXXX and requested that they shut the account off and also included the account in the BK just to be sure it was closed. XXXX XXXX XXXX reopened an account under a different number and has continued to bill me for it. I spoke with a woman two years ago and she confirmed that she resolved the issue. When I pulled my credit, I realize that it has since been sent to collections and the collection company and XXXX XXXX XXXX are telling me that the best thing to do is to make the payment. It 's wrong and unjust and I just want the collection removed from the XXXX credit bureaus.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 




XXXX XXXX XXXX XXXX XXXX / XXXX / {$2200.00}

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 2022-07-19
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The bank is closing my account presumably not sufficiently profitable under provably false pretenses, thus provoking an involuntary forfeiture of the personal contents of a safe deposit box associated with it, which essentially constitutes an attempted theft of my legally obtained property, in light of the fact that I am currently living abroad and can not immediately appear personally to reclaim it. 

These actions constitute a clear breach of the prevailing terms of my account, assured to me in writing by the bank 's branch manager only a few years ago, after I had complained about the bank 's attempt to unilaterally change the conditions. 

Delayed initial notification of the bank 's unjustified intent to initiate closure of account arrived weeks after a deadline to respond had already passed. All subsequent efforts on my part to rectify the issue were unsuccessful.

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 2015-04-03
Company: Flagstar Bank, N.A.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being called at least XXXX a day from Flagstar, stating that they are calling for a business matter. I do not have any kind of loan with Flagstar, and have at least XXXX time called Flagstar, spoke with a representative, explained who I was, and that I did not have a loan with Flagstar. Every time I have been asked if I am, or if I know who XXXX is, and every time I reply that I do n't know who they are talking about. The Representative then tells me that they will take my phone number out of the system, but the very next morning I receive the same phone call. I receive at least XXXX phone call from Flagstar everyday, sometime very early in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: NJ
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 mailed letters via certified mail requesting that they verify the alleged debt that the company claims I owe. The tracking from the USPS shows the letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have not received any proof that the company validated the debt. The accounts are not in dispute either. Per the FCRA, 30 days is the limit for these investigations, I've been more than patient for 210 days and I still have received no results.

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 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After reviewing my credit report, I regret to let you know my credit file is reporting negative information in regard my  XXXX  account. My account is reporting unknown payment status for   XXXX   XXXX    . I 've been making payments for this account and I 've never been late, therefore this " unknown payment status '' is hurting my credit report. So, Im kindly requesting an update to my file.   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 2016-09-17
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am seeing accounts in collection that are not mine trough my credit report. Also, I have not been notify on any of this.

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 2015-06-16
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I subscribe to a credit monitoring service and was recently alerted that a hard credit inquiry from XXXX/XXXX had been registered on my XXXX credit report. After doing some initial research, it seems that other consumers have identified this bank as XXXX of the lenders behind the PayPal " BillMeLater '' feature. While I am a PayPal customer, I did not sign up for this feature nor did I authorize them to pull my credit. I have disputed the inquiry with XXXX. I want to make sure this inquiry is reversed and no account is opened as a result to prevent fraudulent use of a financial account established using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am disputing a bill from XXXX and working to resolve the issue with XXXX. XXXX turned the b ill over to IC System, which called and wrote me. When I tried to call the number on IC 's letter, there was no answer. The company called several times but I told them I was disputing the amount with XXXX. Thereafter I have received as many as four calls a day, some late evening, from robocallers : no one answers, no human calls. I have a list of the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I sold some personal items on Ebay which owns PayPal, Ebay charges a 10 % fee for the service, they force you to deal with PayPal ( which they own ) in order to receive the funds. PayPal acts in the capacity of a bank, they receive the payment from the buyer and then process by wire to the seller. The problem is they charge a 2.9 % fee for their service. They do not inform the consumer of the amout of time for the transfer nor do they allow for alternate methods of payment that will avoid having to pay the 2.9 % fee. they received the payment from the buyer on XX/XX/2016, as of today XX/XX/2016 I have not yet received the funds, neither have they transferred to the Federal Reserve for wiring into my account. They are charging for services while earning interest on my money and not providing any refund or rebate on the fees, they act as a bank even though they claim they are not one. I want a refund of the 2.9 % fee since they have not provided any services for this fee, in addition this fee should be a part of the ebay fee charged of 10 % this is usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states, a consumer reporting agency, can not furnish an 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 other adverse item of information, other than records of convictions of crimes, which antedates the report by more 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 reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an American Express card on XX/XX/2022. Moments later I received a denial email letting me know that i've been denied. I then called the reconsideration line after receiving that email for further clarification and they told me that I was denied based off of my age of credit. I spoke to management and let them know that based off of that reasoning that is a violation of my federally protected rights as a consumer pursuant to 15 USC 1602 ( p ) under Truth In Lending. The statute states that if the consumer receives no benefit from a consumer credit transaction then that is " unauthorized use '' of a credit card. Management then proceeded to tell me that they had authorized use to pull my credit based off of " terms and agreements ''. I then told them that denying me the right to exercise my right to extend credit is classified as discrimination under the Equal Credit Opportunity Act ( 15 USC 1691 ( 3 ) to which they denied as well. Pursuant to 15 USC 1681k under " adverse action '' no where in the statute does it state that a denial to extend credit will be based off of a consumers age of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Account status incorrect

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: EQUIFAX, INC.
State: PA
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:
XXXX  would not assist in deleting these negative inquires from my report XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Six days ago I, uploaded a song I made on soundcloud and talked about it on my twitter account. At Tuesday morning XXXX XXXX 2015 I received a message via twitter from a person under the username XXXX saying that he heard my song from soundcloud and that he wanted me to preform live on stage. The person continued the convosation by sending me an email stating three differient levels of exposure, A Slot : $ XXXX Full Promo / Massive Promo Includes : XXXXCd 's, XXXXPosters & Flyers, XXXX-T-Shirts ( Male/Female XXXX & Towels to hand out to fans. Also you will receive A Placement on XXXX Mixtape. Radio Interviews XXXX XXXX XXXX XXXX, XXXX Hour Block of Studio Time ( XXXX ), Club & Radio Spins in XXXX, XXXX We also set up XXXX paid shows for artist appearing on showcase. Tickets to attend 2015 BET Awards Red Carpet Event On XXXX XXXX 2016 VIP. Meet & Greet with celebrity guest XXXX. Compensation for miscellaneous things. 
B Slot : {$1500.00} -You will receive everything in slot A except for XXXX XXXX paid shows and XXXX Hour Block of Studio Time. 
C Slot : $ XXXX Artist or Producer will receive : XXXX Cd 's, XXXX Posters & Flyers, XXXXT-Shirts ( Male/Female ). Towels to hand out to fans as well. 
Bonus Slot : Negotiate On Rewards And Placement. For the break down of the slots pricing and credentials will be explained upon request. for an unsigned music artist, such as myself, at differient prices. I wanted to reserve slot A but did not have the full amount requested. He then called me saying that i could pay him XXXX XXXX dollars as a deposit and pay the rest once I reach XXXX. The person told me to send the XXXX XXXX dollars via moneygram by either walmart or a moneygram building and to send it to his assistant XXXX XXXX at XXXX, XXXX Once the assistant received the money, I would be contacted back. Once the money was sent I went to twitter and noticed that the person blocked me. I called the person on his cell phone but was sent to voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Paypal repeatedly calls me from an unlisted number sometimes XXXX times a day. Sometimes XXXX to XXXX minutes after the XXXX call. I answered the call once to see who it was. It always comes up as " Unknown '' on my phone so I generally refuse the call from such numbers. 
They said they were collecting a debt from PayPal, which I do owe. I said I know about the debt and that I would try to get a payment said thank you and goodbye. 
They still call me repeatedly, the only way I know it 's still them is the voicemail they 've left maybe XXXX times. Most times it 's just repeated phone calls from " Unknown ".

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Flagstar Bank, N.A.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification XX/XX/XXXX. I was approved XX/XX/XXXX (? ) and was sent a modification XX/XX/XXXX after successfully making my trial payments. However, the modification had the wrong address, it listed the wrong state. I called to notify them and was told not to return it as it could n't be accepted and to continue to make my trial payments each month which I have done. I have called to ask why I still do not have a new modification agreement and told to continue to make the trial payment amount and wait. I have had someone come to my home and leave a note on my door to call Flagstar as well as take pics of my home for the last 4 months. I am talking at minimum once a month to Flagstar and complying with what they are requesting. How is the harassment fair? Last week I received a notice that I was turned down for failure to return my modification and they were resuming foreclosure. I contacted Flagstar in which they stated the same thing. After a tearful XXXX minute conversation, they stated I was correct they sent the wrong modification agreement and advised me not to return it. I should not be concerned and a new agreement would be sent in the next 5-7 days. Last Saturday I received a notice from an attorney about an eviction. Now again today someone has showed up at my door with an urgent notice and taking pictures of my home. 

Why has it taken 11 months to complete this, why is n't someone staying on top of my file, and why am I being harassed unnecessarily?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Paypal banned me for life because they say I violated their Terms of Service. I added money to my account using their XXXX cards and spent it using my Paypal Debit card. They previously gave me a " warning '' against getting cash back at the grocery store so I avoided doing that. In the end, buying a pizza and clothes for my kids got me a lifetime ban from Paypal. I explained that I 'm feeding and clothing my kids but their phone agent could n't care less. She had a sarcastic tone and I could hear her rolling her eyes ... .. 
When they point to an opaque wall of text XXXX to justify hurting my family over nothing it makes me angry. If they 're trying to fight money laundering or whatever they 're doing a lousy job.

Company response to consumer: Closed with non-monetary relief