BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
At the locate XXXX XXXX XXXX XXXX, PA XXXX, I deposited a {$600.00} stimulus check at the ATM. The ATM did ask me to put in the amount of the check, so I did. The ATM showed a picture of the stimulus check and asked me if I wanted a copy, with or without an image, I picked with image. The receipt reads XXXX XXXX available {$200.00} It clearly shows the stimulus check, and all the numbers on the check, the president 's name, and economic stimulus. 

Checked this morning and now it's saying, we could not read the stimulus check, and to call the IRS to get a replacement check sorry! 

You never put the check in, so we can't send you anything, or go into the machine, get it out and give it back to you, sorry! 

It your own dumb-ass fault Miss XXXX, you listened to our ATM, followed the ATM 'S instructions to also, keyed in the already varied amount of {$600.00}, and got the readable image receipt. 

Was also informed that TD Bank could not, would not, get the stimulus check out the ATM, because the ATM machines are managed by someone else, sorry! 

The people that manage our ATM 'S come every 2 weeks, came on the day of the incident, oops sorry I don't know what time, we can't reach them, I don't know, sorry! 

The staff here is poorly trained and unprofessional, how could you not know your job? 
Playing I don't know 's with somebody life. 

The bank could have issued me the {$600.00} until this matter was worked out, but did nothing instead. 

The IRS inform that they can not send me out another check, I would have to go to the website and fill out a XXXX form this will take months. 

I can't buy food, sorry! 
I can't pay my light bill, sorry! 
Take it up with the IRS, have them send you out another one, sorry! 
So I got to go hungry and be in the dark, for 6 to 8 weeks, while they trace a check, yep! and sorry! 

I called the branch at XXXX, was told to call the IRS and get a replacement, sorry! 
I the XXXX no help either. 

Your TD Bank branch people should be fired. 
I am without food and can ' pay bills, what am I suppose to do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24
Company: RS Clark and Associates, Inc.
State: TX
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:
The account in quesiton is bogus/fraudulent. I tried disputing thru XXXX XXXX and XXXX XXXX to receive a response of " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''. I then disputed with a certified letter in XXXX of 2021. Only to receive the same response. I was in XXXX when this account was opened fraudulently. I've requested the company send me proof I opened the account by providing my signature on original loan or contract documents. Which goes unanswered. This is my last step in having this REMOVED from my credit report via the Fair Credit Reporting Act. If you do not comply with my final request then I will be forced to file a law suit against the Firm. I'm clearly persistent and only want done what is right. Please comply and advise so we do not have to go to such drastic measures. Afterall, its not that much money. I just need it gone so my wife and I can purchase a home, hopefully before our little girl XXXX 

Thank you in advance, XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had been waiting for review of several of my payments that were finally marked " eligible '' after over a year of waiting for them to review them. Once they did review and mark the payments " eligible, '' I have 121 ( and now more ) payments out of the 120 needed for forgiveness as of XXXX of 2020. I submitted my application for public service loan forgiveness immediately after receiving this information from Fed Loan. 
I have heard nothing from them, nor have I received any documents. 

I called again today and asked the status of my application. The agent stated that my application had been approved for forgiveness and now it will take 4-6 months to have them officially discharge the debt. The agent could not give me much information aside from saying it would be 6 months for Federal Student Aid to " officially process the forgiven loan. '' This is absurd as I have worked well over 10 years in public service, paying my student debt and continue to have to wait for this company to do their job and obligations under my loan. And now that I am eligible and even APPROVED for forgiveness, it will take another 6 months!?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Describe what happened so we can understand the issue ... 
On Friday XXXX XXXX approximately XXXX pst I attempted to send money to a friend of mine via PayPal. After sending {$270.00} to him he sent me a text saying he still had n't gotten it. I immediately pulled up my log and noticed that the name that I sent it to was not his, very close but not him. Turns out that the email he accidentally gave me was XXXXXXXXXXXX when it SHOULD have been XXXXXXXXXXXX, just one letter difference : (. I immediately contacted Paypal at XXXX pst ( 7 min from transaction ) and asked for their assistance. I got transferred around and after 24 min on the phone with them, they advised me that there was nothing they were willing to do but send an email to the guy asking to refund the money ( which they never did ) I could n't believe that they were so unwilling to assist me in this matter, even though it says on their site " Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient has n't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX. '' I did all of this and yet they were very unwilling to do anything. Please help, how can this be good business practice in anyway, I know the amount may not see much to them but to me it 's a lot! Just an FYI my friend that I was trying to send money to is domestic, but it appears where it went is international. 

Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-14
Company: Paypal Holdings, Inc
State: WI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I do n't know how but PayPal said I opened a credit card with them and that I charged {$100.00} to a " XXXX XXXX '' in XXXX 2014. I do n't know any person and do n't think I made this purchase. After XXXX months they started charging me a late fee. I paid it off just to get them to close the account. Apparently it was some sort of deal where you got XXXX months of no interest and I reached that and started getting late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-30
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This guy I found online on XXXX I found a gaming account I would like to buy, so I messaged him and asked him I would like to buy the account from him. He told me to send {$200.00} via PayPal as friends and family personal payment. After he received the money, he constantly told to wait. But since yesterday he blocked my number and on XXXX. He now took {$200.00} of my PayPal money and I have no way of contacting to give me my money back. The transaction occurred on XX/XX/XXXX and XX/XX/2016. The payment was separate for {$100.00} and {$99.00} I had to pay {$1.00} fee for sending. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09
Company: LENDER LIVE
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company does n't pay homeowner 's insurance. 
I received a letter from my insurance company letting me know that almost 2 weeks after the due date the homeowner 's insurance has not been paid by the mortgage company. The money is in the escrow account! I first called the mortgage company XXXX. They said they never received a bill. I then e-mailed them the letter of the insurance company in which they were letting me know that we have 1 additional month to pay the premium otherwise the homeowner 's insurance will be cancelled XXXX at midnight. I was told they will take care of it right away. I called the insurance company XXXX to check if the payment was made. It was n't! So on XXXX I called the insurance company again to check but still no payment! I called the mortgage company. First I was on hold for about 15 minutes, when XXXX came back I told him I am recording this call. He said fine and disappeared for another 20 minutes. Then I was told that the bill was still not paid but they will pay it that day. I asked how they will pay it and he told me via automated bank draft. When I asked for a confirmation he said he could n't give me one. He also mentioned that he " went above and beyond '' to help me. I thought it was their job to pay my insurance on time since they are collecting the money from me. 
Because I was n't able to get a confirmation for the payment I asked to speak to his supervisor. I was transferred and the supervisor told me that they will send a check today. So I again asked for a check number or some confirmation. He said he ca n't give me XXXX now but promised to call me as soon as he had one that day. He called around XXXX and told me that they attempted to pay over the phone but the insurance company did n't accept their payment via phone. So it 's not their fault that the bill was n't paid. 
Our insurance company gave us another 30 day extension. I hope by then the mortgage company will find a possibility to pay.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Flagstar Bank, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I deposited a personal check for {$3000.00} into my Flagstar Bank account on Monday. My brother wrote me a personal check to help me with my XXXX bills and help pay XXXX. I have fallen on hard times and he offered to help. I expected a 3 day hold on the check, which would be okayXXXX. However, Flagstar bank not only placed a 3 day hold on the check, but turned around after the three days and placed anther 7 day hold on the check for loss prevention. This is a local check and both my husband and myself have direct deposits of our payroll checks being deposited into this same account. Our payroll checks are more than the {$3000.00} personal check.This 7 day hold caused me to go XXXX for 7 or more days XXXX. This is unreal and uncaring. The whole purpose for my brother giving me this money was to prevent this from happening. They are heartless and cold to do this to any human being.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
There are currently numerous items listed on my credit report that I have no knowledge of. This was a result of malpractice or an 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 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-01-07
Company: Affiliate Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today XX/XX/2021 I received a phone call from affiliate services. The lady let me know she was calling in regards to a medical debt. I informed her I was currently paying medical debt from another collections agency, and could not afford to pay that debt till my other debt is resolved. She then said I was lying about student loans and rambled on with out listening to a word I said. She told me to reach out to family for assistance. Which set me off having my father die two months ago, and being estranged from most of my family. She would not listen too anything I said and wanted to talk over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Arbitration

Complaint:
I have an account with Capital One and have never been late or missed a payment. For a while I had been making the minimum payment due and I applied for a credit line increase last year and was turned down because I was only making the minimum payment due even though I had never been late or missed a payment. XX/XX/XXXX I stopped using the account so I would not be at the maximum limited and increased my payment from XXXX XXXX to XXXX. On or around XX/XX/XXXX I applied again for an increase and was denied again, this time because my average payment has been to low. I feel like they are not treating me fairly because I am a XXXX veteran and a XXXX. I have in good faith done everything that is legally required of me and I am seeking your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a bill from from a collection agency Account Management Services and disputed the validity of the debt, so I sent a certified letter of my dispute to these charges on XXXX/XXXX/2016 but never got a response from the company however XXXX/XXXX/2016 I got a alert from XXXX letting me know that Account Management Services had added a collection account to my credit report which severely negatively impacted my credit report. I do have proof of certified letter disputing these charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: Paypal Holdings, Inc
State: MO
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was making an online purchase with paypay. I am an experienced online shopper and proficient in computer systems and the internet. I did n't think I could be so easily fooled. I was trying to pay with the credit card I have on file and use for online purchases. Before I knew it I was being given paypal credit. I did not want paypal credit! I do not want any more credit! I do not want anything to affect my credit rating and do not want any searches of my credit history that could affect my rating. I have been diligent in my credit and do not appreciate the deceptive practices from a company that I have trusted before. Please advise how to correct this with paypal credit and my credit rating. I am not sure of exact date. It was last week sometime. I have been trying to figure out what to do and finally came upon this website. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: CA
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 AND XXXX  ACCOUNTS -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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 A 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 explanation
Consumer complaint received 2021-01-07
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We have the Visa Citi Card. 

We set up auto-pay. This month, we were notified that the payment didn't go through. We called to ask what happened. The customer service rep told us that auto-pay cancels after 6 months. We asked where those terms are. She said the agreement. The terms do not appear when you are signing up for auto-pay. Indeed, when I re-enrolled in auto-pay over the phone with her, the disclosure she gave to me DID NOT INCLUDE that in 6 months I would be un-enrolled in autopay. 
I was charged an interest payment because the payment was late. 
These terms are unfair. I think that they should not unenroll you in auto-pay - that only makes it harder to pay your bill! And the fact that you will be unenrolled in auto-pay should be clearly disclosed and agreed to when you enroll in autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Stallings Financial Group, Inc.
State: GA
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:
This debt was owed to the XXXX XXXX XXXX and XXXX XXXX. I had temporarily moved from my home due to illness and had my water shut off. In 2015, when I requested new service the water authority did not inform me on how they would bill me so I assumed I would get a paper bill. When I never got the paper bill I repeatedly contacted the agency requesting the bill. I even contacted the XXXX XXXX because other mail had been missing from my home. Despite these requests, I never got a paper bill but came home XXXX day to the water being turned off and a hang tag on my door stating I owed over {$200.00} in back water bills. Additionally, at some point after that I started getting collection letters from Stalling Financial Group. I had no idea who this entity was. I immediately contacted the water authority only to find out that they had been sending my water bill to me through e-mail and it had gone into my junk e-mail. At no time did the sewer authority obtain my consent to e-mail me the bill. Through conversations with the sewer authority, they were willing to remove this item from my credit report because I did not get a bill and I had called them regarding the same. However, they did not own the debt and could not recall it and the persons that they spoke to at Stallings Financial refused to even discuss the matter. I believe this issue was handled incorrectly by the sewer authority and Stallings and I would like this matter removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
By law Transunion only has 30 days not 60. In response to the file number with CFPB XXXX. Transunion stated they will respond in 60 days and that is not the timeframe that is stated by law 30 days is the law. 15 more days if another dispute is given.

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 2021-03-25
Company: Consumer Adjustment Company Incorporated
State: MO
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:
I paid a hospital bill that was late and agreed to pay a reduced amount to settle the balance back in XX/XX/2020 ( I have proof in the form of agreement letter ) I made this agreement with Consumer Collection Management. The file was then sent back to the dreditor. For what ever reason the creditor messed up and sent the file to CACI who posted a collection on my credit report which tanked my credit score XXXX points from very good to fair. I went to the creditor and showed them proof that the debt was paid and they apologized and immediately called CACI to inform them the debt has previously paid and it was a mistake and to stop collection and remove from my credit reports. I have since called CACI multiple times and told a XXXX XXXX is handling this and he is on the phone and will call me right back which never happens. I have no other option but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: AL
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 just want those fraudulent account off my credit report so I file a ftc report and upload the documents

Company response to consumer: Closed with explanation