BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by FAIR COLLECTIONS & OUTSOURCING , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was misled into paying the collection and told account would be deleted if I paid and were excessively harassed and called and forced into paying the debt. 
Even though I stated that their gross overcharges and contract breaches from the original creditor XXXX XXXX, and the collection should have never incurred as my account was settled as it was closed with them. 


Account Information : Account Name : FAIR COLLECTIONS & OUTSOURCING, ING. 
Account Number : XXXX Account : Type Collection Date Opened : XX/XX/2017 Please see attached. 

Remedy : Deletion account from all 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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This company makes it too difficult to update my credit report. This is cousing me stress. I haven't even began to dispute All the inaccurate information they are reporting. I was just trying to get my personal information corrected and updated. This all started On XX/XX/XXXX, I pulled my report and noticed my personal information was outdated. On XX/XX/XXXX I drafted a letter to Transunion asking for my personal information to be updated. My job information, current address, and name. I told them in this letter to Remove All other addresses, names, jobs, phone numbers because this is leaving me venerable to identity theft. Also those addresses were not deliverable by the XXXX. This is basic information that By Law should be fixed. I enclosed a copy of my ss, ID and a utility bill. All with my name and address consistent with what should should be reported on my report. On XX/XX/XXXX, I received a letter saying " This is not you, you need to send us proof, a copy of ss card, utility bill and ID ''. On XX/XX/XXXX, I sent them the same information, ID, utility bill, and ss card, as they requested. The same information I Already sent. I should not have to repeat this same situation waisting money and my time. Yet again, On XX/XX/XXXX, they sent me another letter, this time with the report and no updated information. I am overwhelmed with this company. If it's this hard and difficult to just clean up my personal information, I can't imagine what it is like for other issues. This company acts as if they don't have to follow the laws that govern them. I demand, if they are reporting information that could harm people 's lives at least report properly.

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 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, Capital One, and Kohls Capital One. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$800.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. The Account Opened is Kohls Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
After submitting complaint #  XXXX  against Paypal, that company did NOT address what I complained. I expressed my big dissatisfaction with the response provided by  XXXX   XXXX   XXXX , who also mailed a letter to me with the same text. .CFPB should allow a follow-up instead of closing the complaint as in this case CFPB is not protecting me as a customer of a US company like  Paypal , w hich has thousands of complaints worldwide.   The restrictions to login continue in m y Paypal account and I can not withddraw the balance of   XXXX   XXXX  , for which I feel deeply frustr ated.    XXXX   XXXX   XXXX   XXXX  stated tha t US headquarters  can not assist me, and that is a shameful and evasive " wash my hands '' answer . Paypal emailed me a message in   XXXX   languague stating that they sent me a message inside my Paypal account, however as I have restrictions to login I am unable to read that interna l message!     Here is my feedback posted to CFPB after receiving  Paypals answer : Paypal did NOT solve at all the login problems originating this complaint. Paypal did NOT send me a detailed email response, which I was looking forward to receiving. The only thing Paypal did is to tell me that I have a message inside my account ... which I can not access : - ) so I am unable to read what they say ... I emphasize that I want to be able to login to my Paypal account so Paypal MUST eliminate the login restrictions. I   want to be able to withdraw the   XXXX   XXXX     balance in my account or at least  Paypal should do it but in any case I WANT MY FUNDS! Paypal has thousands of complaints worldwide and the authorities make nothing against their constant abuse! I see that thousands of accountholders have their accounts restricted by Paypal!!     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Paypal treat customers as stupid people  !! I can not bear this situation anymore!! In conclussion, Paypal did NOT address my com plaint!

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 2020-04-09
Company: Ad Astra Recovery Services 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 information incorrect

Complaint:
AD ASTRA RECOVERY SERVICES, a balance of {$1600.00}. No idea what this is and company didn't have any information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Credit Adjustments Inc
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had a student loan go into default and in XXXX of XXXX, I went into a rehabilitation program with Credit Adjustment. They sent me paperwork and I signed all the paperwork and they have been taking payments since XXXX and they stopped in XXXX with no notification in writing as to why. In review of my bank account I realized the amount agreed upon was not being deducted this is when i called to the collection agency and was advised that I did not qualify for the rehabilitation program because they made a mistake. In XXXX XXXX, I was put through an approval process and I complied with all requirements in a timely manner, I was approved and the agreement was signed and everything was fine. I have spoken to them on several occasions about the problem with no success of getting them to honor the agreement. I have not received a definite answer other then the fact that she does not qualify. Why did I qualify in XXXX of XXXX and not in XXXX of XXXX? I have the signed agreement and all the paperwork from XXXX of XXXX. I just wants them to hold up their end of the agreement. I has completed everything they have ask of me.

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 2016-03-29
Company: Paypal Holdings, Inc
State: IA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
PayPal has a major flaw in their system that they refuse to address. They keep blaming the consumer and its costing people hundreds of dollars. 
I have XXXX bank accounts listed on my PayPal account. The first account we will call " Default Account ''. 
I authorized a transaction but I wanted to pay out of my new account, we will call it " Account XXXX '' for now. I selected " Account XXXX '' at checkout. The screen said " Your payment type has been changed '' indicating that I was now paying out of " Account XXXX '' instead of the " Default Account. '' A day later I noticed that PayPal had instead withdrawn money out of my " Default Account. '' I was upset because this cause the " Default Account '' to overdraft, resulting in a {$32.00} NSF fee. At this time I took no action because I had no proof that PayPal had made the error. I wondered if maybe I was mistaken and had forgotten to update the account settings, although that seemed unlikely. I let it go. 
A couple days later I tried to do the same thing. I made a purchase and chose " Account XXXX ''. The checkout screen gave a message that I had correctly updated my account choice. Again. I was confident I had done this correctly and went ahead with the transaction. 
One day later I called the company I was purchasing from to make a change in the product. They had to refund and recharge the same account to make the change. I was fine with this since I KNEW I had selected " Account XXXX '' A couple days later both transactions went through my " Default account '' instead of " Account XXXX ''. I was XXXX % sure I had chosen " Account XXXX '' during checkout and yet PayPal reverted the transaction back to my " XXXX Account. '' I now have a total of {$96.00} in NSF fees because PayPal is selecting the " Default Account '' every time instead of updating to the account that the consumer selects. 
Over the next week that company kept retrying the PayPal default and eventually I had a fourth NSF fee. I was powerless to stop this. I now have {$120.00} in NSF fees, all because PayPal chose the wrong account. I only authorized " Account XXXX '' and never authorized the " Default Account. '' I called and asked PayPal to refund the NSF fees and they refuse. They refuse to even admit that their system is causing this error. I asked them why they allow XXXX accounts on file if they ALWAYS choose the default account but they wo n't answer because they do n't want to admit fault. 
I know PayPal wont admit to their error but at this point it is BEYOND the {$120.00}. I know this must be happening to other people ... eventually there will probably be some kind of a class action lawsuit. But in the meantime PayPal is ripping people off and refusing to fix their mistake. 
If this does n't require the help of the Consumer Protection Bureau I do n't know what does.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX of XXXX, my wife has recieved several calls from this Agency trying to obtain my information and contact me ... once they were able to reach me, they said I had to repay the debt or portion of it or they'll report it to my credit bureaus in which they have and that itll go to legal actions... I told them I have no knowledge of the company... the original creditor from my XXXX in XXXX has not ever contacted me regarding the debt...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

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 2019-06-05
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We are Chase Bank customers. 

On XX/XX/2019, between XXXX-XXXX XXXX, I attempted to withdraw {$2300.00} from the ATM located in the Chase Bank branch located at XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , Washington . After the receipt prompt, the ATM screen abruptly changed. I did not receive a receipt. ( I do not remember what the following screen stated. ) The cash dispensing panel did not open nor did the ATM dispense any cash, I removed my debit card from the ATM and walked to the counter and told a teller that the ATM did not dispense cash during my transaction. The teller asked if I needed help and she walked me through the steps at the ATM but the ATM stated that the amount I was withdrawing exceeded the withdrawal limit. The teller checked my account and could not determine the cash limit I was permitted to withdraw from a Chase ATM and she was puzzled because the cash withdrawal limit is normally {$3000.00}. So, I withdrew {$2300.00} at the counter with the teller, not knowing that the ATM had debited my account {$2300.00} for cash I did NOT receive. 

On XX/XX/XXXX, my husband checked our account and noticed that we had TWO {$2300.00} cash withdrawals. He called the claims department and they stated that it would investigate it within 10 days. Ten days! It turns out that the ten days must be business days because one claims department employee stated that Chase Bank has until XX/XX/XXXX to investigate. Our mortgage is due tomorrow and we do not have funds to cover it because of Chase Bank 's error. 

Both my husband and I have called several times today, XX/XX/XXXX, to determine if we will be credited OUR money back to the account or charged for insufficient funds due to Chase Bank 's error. We also talked to a teller this morning at the XXXX XXXX branch and he stated he could not do anything to help us. We have been given conflicting answers about possible charges for insufficient funds due to Chase Bank taking our money and thus lowering account balance. We are under much stress worrying about damage to our credit rating, paying bills, receiving our money back, and charges for insufficient funds. This error was not our fault, except we trusted Chase Bank. 

Ten business days is a long time to sit and wait for an investigation when bills have to be paid. This is OUR money that was taken from us from Chase Bank. I feel this is stealing not only our money but our credit rating and peace-of-mind. We are not being helped by Chase Bank in expeditiously resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08
Company: SLM CORPORATION
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I had issues with paying the monthly payment amount for my student loans from Sallie Mae. I was enrolled in their term and rate reduction program and my payment was reduced to {$610.00} / mo which I could afford. Speaking with their many representatives, I was assured that after the 6 qualifiying payments, I wouldn't have to make a payment in XX/XX/2020 and that my next payment of {$610.00} would be charged in XX/XX/2020. I agreed because the payment was almost 3 times lower than the original monthly payment amount would be. Well I wake up today, XX/XX/2020 and find out that my monthly payment is not actually the {$610.00} agreed upon but instead it is {$1000.00}. I was never told by any Sallie Mae representative that the monthly payment would be the {$1000.00} instead of the {$610.00} agreed upon, in my many calls with Sallie Mae. I can not afford the {$1000.00} payment and my bank account is not letting me stop the payment. Sallie Mae said they can not do anything and that I have to let my account go past due in order to renegotiate the payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have contacted Chase bank on an unauthorized withdraw from my bank card debit from XXXX XXXX on XXXX/XXXX/2015 for {$240.00} while it was still in-process. It went into full account a day later after telling Chase that it was not authorized. It has now been 9 days and still there is no credit to my account for this item. It clearly is in dispute. I need my funds to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I began repaying my student loan in XXXX with Navient. I specifically requested payment towards the Public Service Loan Forgiveness Program. I was placed on a graduated repayment plan which does not qualify towards the PSLF. It was not until XXXX ( XXXX XXXX later when I began inquiring about my payoff date balance with the ONLY company that processes PSLF- FedLoan ) that I was informed that those three years of payments XXXX would not count because it was under the wrong payment plan. I transferred my loans to FedLoan in preparation for payoff ( the only company that processes PSLF ) and they are not counting those three years and $ XXXX ( It took them three years and nine months to evaluate my payoff date ) only to find out it " does not count ''. This seems criminal to me and I would like to know if I can benefit somehow from the lawsuit where they found that Navient who was my student Loan holder neglected to give me the correct payment plan information ( which was one of the charges in the lawsuit ) and as a result has provided a financial hardship for me. Instead of having three more years before payoff I am now facing six more years. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I do not have any knowledge of this company. I think my information was involved in a data breach and got into the hands of the wrong person. I have provided a identity theft report that i have filed.

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 2018-05-30
Company: Upgrade, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i contact upgrade today XX/XX/XXXX XXXX about the amount of a discrepancy on my account. ive been paying my balance every month since i open the account. ( XXXX ). ive made 8 payments, XX/XX/XXXX {$540.00} {$350.00} Principal {$190.00} Interest XX/XX/XXXX {$540.00} {$360.00} Principal {$180.00} Interest XX/XX/XXXX {$540.00} {$360.00} Principal {$180.00} Interest XX/XX/XXXX {$540.00} {$370.00} Principal {$170.00} Interest on XX/XX/XXXX i wanted to make an extra payment to bring down the balance quicker and pay my loan off at in a short amount of time. but to do so you have to call it in which i did. after, the next payment which should have been automatically removed from my account on XX/XX/XXXX wasn't. so i called in to have the auto payment removed and paid. it was done. ( XXXX XXXX XXXX ) the next auto payment was supposed to be taken on XX/XX/XXXX it was not so i called it in again to have it fix and paid. ( XX/XX/XXXX XXXX ) and notice the interest was not being taking out and that there must be a problem i don't want to be penalized in the future for the mistakes upgrade are making, and was told on the phone it was ok the balance for the months are satisfied and i would not be penalized and would bring this to the attentions of management. mind the fact that the two payments i made after XX/XX/XXXX don't show up on there site but it was removed from my account and calculated in the balance. so the balance now is XXXX so the auto payment was not taken out of the account again. and i call XX/XX/XXXX to have the payment taken again. ( XXXX XXXX {$61.00} Principal {$480.00} Interest ). so when i called about the problem that almost all of my money was taken in interest and only XXXX was taken to principal. there is no way the interest should be that high. what there trying to do is basically charge me back all the money they miss because of their plenty of mistakes. interest is calculate daily for 30 days which a payment every month would reset that for the next 30 days. i did the math and there trying to changer back almost 3 months to cover their mistakes. after telling me i wont have to pay for that the first time. i i knew better i would have never made the extra payment or better yet take the loan from this company. and when i called to settle this matter one Representative told me one deal where she could get it down to XXXX " give or take '' and the supervisor tells me theirs nothing she could do so who do you believe because obviously their trying to cover for there entire groups mistakes. i even had to contact XXXX XXXX because they were reporting the wrong balance and they don't show the amount i paid for the two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Allied International Credit Corp., (US)
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:
I received a letter saying I owed money to XXXX from Allied International Credit Corp. The letter is a SCAM. I do not owe any money to XXXX, I have n't used my XXXX account in 2 years and logged into my account to validate I have a XXXX balance with XXXX. Internet search reveals the same SCAM has occurred several times to other people. This SCAM uses up to date name and address info and comes across as a very real collection letter.

Company response to consumer: Closed with explanation