BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-27
Company: Paypal Holdings, Inc
State: WA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have used PayPal for years, with my charges being deducted from my bank account. I enjoy the convenience of PayPal while shopping online without having to enter my credit card number for each transaction. 
Earlier this year I began receiving emails saying I owe PayPay Credit money. I never knowingly applied for credit with PayPal. I called right away and settled the account, asked it to be closed, and also asked how I ended up with a credit line from them. They were unable to provide a good explanation on how the account was open. 
I have since received more emails saying I owe an additional balance. I assumed it was an error until I received a collection call today. The collectors were rude and demanding. It turns out that I did make purchases that I thought would be coming out of my bank account, as they had before, but instead ended up on a credit line that I had previously closed. I settled the amount of my original charges after finally getting the collector to waive late fees and finance charges. My biggest concern ( besides getting called at work on an account that should never have existed ) is that I still do not know how I ended up with a PayPal credit line, and that others may end up in the same situation. I am responsible enough with my debts to know what I owe and what I do n't. My fear is that others who are less diligent will have accounts open and accrue late charges and interest without ever meaning to. In my opinion PayPal credit was deceptive, if not fraudulent, in how I got a line of credit in the first place. Practices such as this should not be allowed. Now I ca n't use the convenience of PayPal for fear that the charges will again end up as a debt instead of coming out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
I had a membership with XXXX, which used XXXX XXXX as its credit card provider. XXXX changed its credit card to Citicard and start- ed sending me notices to change cards. Citicard, meanwhile, inundated me with application forms. I decided not to renew my membership with XXXX. Citicard, without my permission or contract, created an account in my name after almost a year lapse and had the audacity to charge me for for who knows what plus interest, penalties and fees. Citicard and XXXX act like they can not understand my objection. It is simple : I do n't want the account Citicard, I did n't agree to it and I want it expunged. 
does not know what what I am talking about

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 2015-10-26
Company: Paypal Holdings, Inc
State: PA
Product: Credit card
Issue: Other

Complaint:
I have a Paypal account and Paypal Credit. I have logged into Paypal several times to have it default payments to XXXX of my credit cards but when I use PayPal to purchase something it always defaults to Paypal credit and I have to go to the extra step of changing it to my credit card. Several times it did n't give me the option of changing it. Today I received a phone call saying my Paypal Credit was past due. I never received a statement either by mail or email from them saying I owed money. I do get an email from Paypal, but it always says I have a {$0.00} balance. I called Paypal today to find out what was going on and got no satisfaction. When I told them I wanted to close my Paypal Credit account I was told I would have to pay a {$35.00} late fee in addition to a {$64.00} account balance. I think that this company is dishonest and deceptive in their dealings with me. I believe that they do this to all of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
A few days ago, I submitted a dispute to an item in my Experian credit file via their online portal. Since that time, I have been receiving daily email advertisements from Experian that are unrelated to my dispute ; the latest was an ad for some sort of " dark web scan. '' Clicking the unsubscribe link in the message shows You are currently unsubscribed. However, the message itself also states : This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian XXXX XXXX, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. 

15 U.S.C. Chapter 103 requires senders of commercial email messages to provide a working opt-out mechanism. They can not choose to simply ignore my previous request to unsubscribe. 

Experian does not have my consent to promote their goods and services to me via email. I provided my email address because it was required in order to dispute the false information in their report. Using it for advertising purposes is immoral, and refusing to honor unsubscribe requests is illegal.

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 2017-10-12
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a withdrawal and did not receive it. Coinbase was almost impossible to contact. They then released to the public a contact number. The support number has extremely long wait times. More than five times in the last two months I was told I would be put to the high priority list when I called. 

I have enclosed a document of all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I recently made purchase online on this website. 

XXXX XXXX XXXXXXXX after the payment was made on zelle, I have realized this is a scam website and unable to get my money refunded through zelle. The amount of purchase was {$380.00} payment made through zelle on XX/XX/2022. 

Contacted zelle and they asked me to contact chase bank which i used zelle through. Both entity is claiming no responsibility and no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
PNC bank made a change that prevents me as a customer to link my accounts with XXXX app which allows customers to round up the amounts spent on their debit card and use it with XXXX investment platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT REPORTED ON XX/XX/2018 AND XX/XX/2018 ON MY XXXX XXXX ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize

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 2020-04-21
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/20 I received my XXXX  XXXX card for unemployment compensation. I tried several times to activate my card. It continually tells me my information isn't correct and will not let me speak to an actual person to resolve this problem. I tried sending an email to the department of labor, but it won't go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Experian Information Solutions Inc.
State: IN
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:
I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with XXXX after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by XXXX as of XXXX XXXX for my XXXX loan. I have also asked for my FICA score to be reversed due to XXXX not submitting payments made since XXXX XXXX after cashing checks with my XXXX loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Paypal Holdings, Inc
State: WI
Product: Credit card
Issue: Arbitration

Complaint:
I was given promotional 0 % rates with deferred interest if paid within 6 months on multiple purchases with PayPal Credit. An amount of {$810.00} needed to be paid by XXXX XXXX, 2016 to avoid the deferred interest of {$120.00}. Unfortunately I became quite sick XX/XX/XXXX and made the mistake of not making the payment due on XXXX XXXX to avoid the deferred interest. I made the payment of {$810.00} XXXX XXXX, 2016 when I realized I had forgot to ma me the payment. I check the most recent statement and notice they had charged me the {$120.00} in deferred interest. I called and spoke to a supervisor and they informed me that if I faxed a request to reverse the deferred interest to their corporate center, they would consider doing so. I faxed a request to reverse the deferred interest on XXXX XXXX, 2016 for which I received an email on XXXX XXXX 2016 acknowledging the receipt of said fax at XXXX, and then another email that morning at XXXX on XXXX XXXX, 2016 indicating " The fee waiver request that was submitted has been completed. '' this email did not include the decision and based on the sentence above it seemed as the request was approved. I waited 48 hours to check my account and see if the reversal had been process and to this day, XXXX XXXX, 2016 it was not. I proceeded to call and speak to another supervisor on XXXX XXXX, 2016 and explained how the email was confusing and they informed me that my request was not approved. I explained how could I know what the status of the request was as I was not emailed, mailed or received a phone call. 

I have an impeccable history with PayPal credit, never missing a single payment and paying off every promotional rate purchases when they are do, so I feel they are exerting and undue burden upon me, especially since I immediately made the payment in full when I realized my error. I feel these are predatory lending techniques, not giving any consideration to an exception, considering the circumstances, and it 's amazing they would rather have {$120.00} than keep my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX charges on my credit account has been paid in full, and have not been removed from my credit acct, which causes me to have a lower score than I should. Please look into this matter, as it hinders me from obtaining credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: HW Holding, Inc
State: MO
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:
Please note-I have the recorded call on file and it was disclosed to the company that I was recording. I called Hunter Warfield to come to a resoluation on some lease break fees I had with an apartment complex called XXXX XXXX. The representative told me the total amount due was {$2100.00} and that I can settle for half of that amount. Unfortunately, I was unable to accept the settlement but began to question the amount because my last statement was {$1800.00} and there was nothing written in the contract for additional interest charges should my account go into collection. I told the representative that I will pay the amount actually owed and I want to make a payment arrangement. She told me I ca n't just do what I want, If I want to pay the original amount due, it has to be paid in full. I told her that that is not fair debt collection practice and that I am only contractually obligated to the {$1800.00} and we can set up an arrangement from that. She asked me in a condensing told " if I wanted help or not. '' I told her she can not refuse my payments. We went back and forth a few times and she ended up telling me to have a good day and she hung up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is foreclosing on my second mortgage when I have repetedly requested copies of payments made agreements made with XXXX and XXXX statements NONE OF WHICH I HAVE YET TO RECEIVE. I am now receiving harrasing letters phone calls from the collection law firm that Wells Fargo has hired to foreclose on my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We think our mortgage company is asking for too much escrow money. Our escrow balance is currently XXXX. They are increasing our monthly escrow payment to XXXX. Which means my escrow balance after my XX/XX/2017 payment will be {$2100.00}. My total taxes and insurance are XXXX. XXXX of that is {$920.00} per month ; however, the bank is asking for XXXX per month. After I make my XX/XX/XXXX payment my escrow balance will be XXXX so even at the inflated amount of XXXX per month they will have more than 2 months worth of escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SPSAccount # XXXXI am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have requested on multiple occasions that they cease communications both calls and by mail, however they still send me weekly emails and letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attempted to get TransUnion to remove a XXXX item on my credit report that is erroneous. I never had a XXXX account. This erroneous item prevents me from providing a home for my children and it impedes my employment. The harm is made all the worse because it is easier for a corporation to mistakenly or erroneously place a collection on a consumer 's credit report than it is for a consumer to remove such items. Please have TransUnion remove this false item 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 explanation