BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal is intentionally, knowledgeably and willfully obstructing justice by submitting false statements to CFPB or I need help from CFPB with additional questions to stop that power abuse that Paypal is doing constantly not allowing to move money to the bank of my choice. Paypal welcome to add money in to use my money for their benefit as I found along with XXXX XXXX for free one sided without benefit to me, but do not allow me to transfer my money to the bank of my choice. I was not even allowed to move my money to XXXX Bank that affiliated with Paypal. I opened an account with XXXX Bank. I already got a XXXX XXXX card and was able to link it with my Paypal account. But when I tried to add my checking XXXX Bank account to my Paypal account Paypal resist to allow it. Paypal did not allow me to log into my XXXX Bank account to connect instantly, and I tried to connect my XXXX account manually and provided the routing number and checking account number and nevertheless Paypal did not allow it anyway even I already linked the XXXX Bank debit card. I did try it not just one time after I opened new account with XXXX Bank. 
I attempted to do the same from XXXX account. From XXXX Bank account I was prompted to sign into my Paypal account to link instantly. The message stated that it was successfully linked, and it showed the total balance amount on my Paypal account. But, it did not allow me to transfer money from Paypal to XXXX. It stated that it will take some moments for Paypal to appear on my XXXX account and it never did. I did the same thing XXXX more different times and the same thing happened. The confirmation of success initially appeared every time, but Paypal continues blocking link to my XXXX Bank account preventing me to move my money out of Paypal. 
I tried again to do the same on my Paypal account. Paypal did not allow the instant linkage. So manually I provided XXXX Bank routing number and account number and Paypal did not allow XXXX Bank to be linked to my Paypal. XXXX Bank is not the first bank that Paypal continues blocking from my Paypal account. How I can end Paypal 's criminal abusive behavior? Paypal management keep everything in the dark and delete from my account our conversations in writing and refuse to provide a transcript of messages. here is no chat available on my account. Paypal lies that messages kept for records for 90 days, when in reality it is not available for access as soon after it disappear from the screen. Paypal does not allow me to put any issue in Resolution center. Paypal does not allow me to operate with my money. Paypal is blocking my money from my actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: SC
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:
Financed a vehicle from XXXX of XXXX ( XXXX XXXX XXXX ) back in 2015. After paying down payment & signing paperwork, went to get insurance and was told my insurance company vehicle had savage title ( I was unaware ). Called company and spome with XXXX who sold me vehicle and she says was unaware as well. Only option I was given was to keep and pay on vehicle for 15 months and would let come back and do a trade on another vehicle ( which would result in another credit as well as down payment, basically starting all over ) when i wouldve been half way through current loan. Also some other issues with the vehicle, some of which company had fixed, others I got the run around on. Months into having the vehicle it broked down as well as leaking from roof and doors causing mold on carpets and ceiling. I emailed XXXX XXXX said nothing can be done so told her where the vehicle was and told could pick it up because I refused to invest anymore money into fixing or payments. She said would send someone out for vehicle, have it repaired and sold at Auction. Vehicle was recovered and placed on my credit as VS eventually but I never recieved anything on what was sold for or anything. Reporting on my credit for what I originally owed. Every month or so the balance would go down to 0 and then back up again to almost {$7000.00}.

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 2019-11-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
my credit was pull from this company I don't recall and don't recognize the name of the company is Equifax Mortgage Services XXXX XXXX, NJXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OR
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:
Impacted by Equifax security breach. My information has been compromised due to insufficient security measures. My information is collected by this company without my consent and sold. Now it 's also been stolen by unknown actors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: GA
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:
Back on XX/XX/XXXX an unknown entity attempted to open a line of credit under my name. I contacted Chase bank regarding this matter immediately and averted an issue. However Chase Bank was reflected on my credit report via XXXX and XXXX as a hard inquiry. Chase stated they would resolve the matter, but it takes them 5 days to submit and the reporting agency up to 90s to resolve.

Flash forward several months and no resolution, I called Chase back on XX/XX/XXXX and they stated someone on there team neglected to finish the submission, again it will take 5 days for them plus an additional 90 days. XXXX at Chase provided me the following reference number XXXX, on XX/XX/XXXX I received a letter from Chase stating they addressed it with the Credit reporting agencies and again it would take 5 days for them to address and the Reporting agencies another 90 days, Flash forward XX/XX/XXXX and the matter is still unresolved. I called Chase and they stated its the Agencies fault, I called both Agencies and they state it's chases issue. 

Reality I could care less who is at fault I just want it fixed, a year has passed and neither the bank or the agencies have resolved a problem that I have to clean up and the unfortunate recipient of Fraud. I am fairly certain there are laws to protect people like me from activities of this nature, as well as the negligence of the bank and agencies. 

As stated a year has come and gone, and the agencies and the bank are pointing fingers at each other and making empty promises.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: Auto Trakk, LLC
State: IN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I obtained what I thought was a 72 month loan in XX/XX/XXXX, it turned out to actually be a 72 month lease or as the company, AutoTrakk terms it " prepaid transportation ''. When I " purchased '' the vehicle from the dealership I was not made aware that it was a lease and that I was not purchasing it. Even when signing documents that was not made clear and I do not recall reading this anywhere in the documentation. I am aware that this is not necessarily the fault of AutoTrakk but the dealership. When I got the car I was told that I could trade the car after 2 years, which is what they promote through financing with AutoTrakk. I attempted to trade in the vehicle and as soon as I said it was through AutoTrakk the salesman said, " oh, you wo n't be able to trade that, you 're going to be way to upside down, no one can ever trade those unless you are putting at least {$3000.00} down. '' I went to 5 dealerships, all of them the same, my car was valued at around $ XXXX and I owed over $ XXXX. I have made 175 payments to AutoTrakk in the amount of {$100.00} each totaling almost $ XXXX and maintained full coverage insurance on the vehicle at all times as required. XX/XX/XXXX the vehicle was involved in an accident and it was totaled. My insurance company paid AutoTrakk {$6900.00} for the value of the car, my payoff was {$10000.00}. My account has Gap coverage to cover the difference of what I owe and what the insurance values my car. Between what I 've paid and my insurance has paid, AutoTrakk has received appx. {$24000.00} for a vehicle that was {$14000.00}. They have sent me a letter saying " The amount owed on your account is {$3100.00} which could include the deductible, prior damage, excessive mileage or repossession fees. '' I would like to note that they state it " could include '' with no details, no description of what I am being charged for at all. They 've also given me no details as to what amount the gap insurance has paid. I believe that what they are doing is wrong and possibly illegal. They have an obligation to include details of charges before demanding payment and threatening to send a debt to a collection agency and negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter today XXXX/XXXX/XXXX from Nationwide, attempting to collect a debt I do not owe. " XXXX '' from Nationwide had called me on XXXX/XXXX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, attempting to collect debt that I do not owe ( please see CFPB complaint, # XXXX ). I informed XXXX that I had filed a complaint against XXXX with the FTC, under the Fair Debit Collections Act ; I told XXXX that her company is to never contact me again about this, and if they do, I will file a complaint against Nationwide. Here is the history, as denoted in the above-mentioned complaint ... 

On XXXX/XXXX/XXXX I called XXXX and spoke with " XXXX '' and cancelled my policy, effective same day. On XXXX/XXXX/XXXX I realized that XXXX had billed my bank account on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for premiums of {$45.00} each time. I called XXXX, spoke with " XXXX '', who confirmed that XXXX had closed the account on XXXX/XXXX/XXXX but had not deleted my payment information. XXXX put me on hold and then confirmed she had just deleted my payment info. I requested a refund and she said she is unable to do this, that I would need to speak with a different department during office hours. I then called XXXX XXXX XXXX to dispute the charges and request that all future charges be denied as unauthorized. I spent a total of 2 hours on the phone that day. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX informing me that my dispute was considered valid ( see enclosed ) and crediting my account. Subsequently, I received several letters from XXXX, first threatening to close my ( closed ) policy due to non-payment. Then 2 weeks ago I received a letter threatening to send me to a collection agency. So that day ( XXXX/XXXX/XXXX? ) I called XXXX ; I was on hold for 30 minutes without ever speaking to a representative, before hanging up. During that 30 minute wait, I went online and filed a grievance with the FTC against XXXX for violation of the Fair Debit Collections Act ( Reference # XXXX ). I then drafted a courtesy letter to XXXX to inform them of the grievance ; I mailed it XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received the Collection phone call from " XXXX '' at Nationwide. Despite my providing her with the above information, and telling her that her company is to never contact me again, and informing her that I would update my grievance with the FTC to include her call, Nationwide has now sent me a statement, for MORE THAN the amount that was initially paid, refunded, and sought. I am now filing this grievance against Nationwide.

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 2022-08-31
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I was erroneously enrolled into Account XXXX by Express Credit Card. On XX/XX/XXXX I was billed {$24.00}. And again billed {$24.00} on XX/XX/XXXX. I emailed customer service who stated that the charge was added to my account in error. They would cancel me from the program ( Account XXXX ) and would refund the fee. 

Earlier this week I noticed that I have been cancelled from the program ( Account XXXX ) but was billed again ( on XX/XX/XXXX ). I emailed customer service again which did not resolve the matter. I am thankful that they have cancelled me from a program that I never enrolled into but I would also like for them to refund my account the fees that were billed to me for those services that I never provided authorization for. 

Your assistance in getting this matter resolved is most appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
It is my bad fortune to have accounts with some companies that only offer Comenity as the servicer of their credit cards. However, after several months of poor servicing, I am convinced that Comenity purposely tries to make paying your credit card bills so difficult that you end up paying extra interest or service fees. 
With 2 companies, in particular, XXXX and XXXX, you can ONLY take advantage of the better loyalty programs if you carry their store cards. However : 1 ) for a period of 6-8 weeks ( XXXX to XXXX of 2022 ) you could not even see your balance as their system was not working 2 ) Their online payment portal consistently goes through the motions of accepting your payment but then provides a message that they are unable to complete the payment and directs you to customer service 3 ) the automated customer service goes through the motions of taking your payment ( which takes about 5 minutes! ) & then provides a message it can not be processed and you must speak to a customer service agent & be charged {$9.00} 4 ) after holding for long periods, the agents take your information, make you hold, and hang up with no action taken. 

Today, I had to make that call 3 times. 45 minutes later, I'm still unable to make my credit card payment with no explanation. Each time, after 10-25 minutes for each of the 3 calls, the rep would pick me up from hold and hang up on me. I called and asked to speak with a supervisor and was promptly hung up on. 

On those few times when I have been able to speak with an agent, they tell me this happens to everyone. Can you imagine the extra interest & fees Comenity is collecting with such widespread abuse? One month of issues I wouldn't be so suspicious, but at 4 months, I have to think it is nefarious. 

I feel strongly that this is a scam. The Comenity is intentionally making it so hard to pay your bill ( and I pay mine off monthly ), that you have no choice but to carry a balance, accrue interest, and pay unnecessary service fees. 

While this has been happening to me, I just reviewed their XXXX page, and WOW! The issue is so widespread, that they have to be making a fortune off of consumers just trying to pay their bills. This company needs some government oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: SC
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:
Financed a vehicle from XXXX of XXXX ( XXXX XXXX XXXX ) back in 2015. After paying down payment & signing paperwork, went to get insurance and was told my insurance company vehicle had savage title ( I was unaware ). Called company and spome with XXXX who sold me vehicle and she says was unaware as well. Only option I was given was to keep and pay on vehicle for 15 months and would let come back and do a trade on another vehicle ( which would result in another credit as well as down payment, basically starting all over ) when i wouldve been half way through current loan. Also some other issues with the vehicle, some of which company had fixed, others I got the run around on. Months into having the vehicle it broked down as well as leaking from roof and doors causing mold on carpets and ceiling. I emailed XXXX XXXX said nothing can be done so told her where the vehicle was and told could pick it up because I refused to invest anymore money into fixing or payments. She said would send someone out for vehicle, have it repaired and sold at Auction. Vehicle was recovered and placed on my credit as VS eventually but I never recieved anything on what was sold for or anything. Reporting on my credit for what I originally owed. Every month or so the balance would go down to 0 and then back up again to almost {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Several months ago I opened a checking account with Citizens Bank based on a promotion in which I was to have direct deposits of a certain amount and would receive a cash bonus. I did receive the bonus. More recently I received an unsolicited email from Citizens Bank encouraging me to open a savings account. The headline and illustration showed three monthly deposits of at least {$25.00} would give me a bonus of {$25.00}. I received the promotional email on or about XX/XX/2022 and immediately opened the account and had a direct deposit of {$25.00} and set up a program wherein two additional deposits would be sent on the same day of the month to fulfill the requirement. Indeed I made three ( 3 ) monthly deposits of {$25.00} each for a total of {$75.00}. Citizens refused to grant me the {$25.00} bonus because I was apparently supposed to wait until XX/XX/2022 to make the deposits. 

Offer states it begins on XX/XX/2022. I did as requested and deserve the {$25.00}. 

Citizens personnel cut me off when I called, argued with me after I called back and gave me no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX -Account # XXXX ( XXXX XXXX XXXX XXXXAccount # XXXX ( XXXX XXXX ) -Account # XXXX XXXX XXXX XXXX XXXX Orignial Creditor : XXXX XXXX -Account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXAccount # XXXX ( XXXX ) -Account # 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 cannon furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, A judge ruled a judgment in my favor because Consumer Portfolio Services , Inc failed to produce documents to state their claim that I caused them a loss and owe them money. 

In XXXX, I mailed a letter asking fo them to remove the account from my profile with the credit reporting agencies. They have not replied. I demanding that this account be removed as Consumer Portfolio is not able to produce documents confirming my liability. 

This account being reported has held me back from acting as a consumer, and obtaining employment in addition to emotional distress and anxiety trying to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Started the modification process  XXXX . Checked the ocwen.com website daily for status.  XXXX  {$1800.00} in payments were made. Called  XXXX  customer service because it said the next payment is n't due until  XXXX / XXXX / XXXX  for {$2600.00}, even though we still had {$1400.00} due to pay the month of  XXXX  in full. The  XXXX  rep advised us that we were approved  XXXX / XXXX / XXXX  for the trial modification, that is why the system reflects a  XXXX / XXXX / XXXX  payment due and no other payments needed to be made until  XXXX / XXXX / XXXX . All payments on this mortgage had been paid and we would of continued to pay the remainder of  XXXX  payment and  XXXX  payment as well if we had not been instructed to not do so.Now we are being reported late for  XXXX ,  XXXX  &  XXXX . This does n't make any sense, nor is it what we were told. We are currently paying our  XXXX  payment now in  XXXX , but the  XXXX  website reflects being due for  XXXX  and reported as being late for  XXXX !    XXXX   XXXX  of  XXXX  in the modification paper work states if the account is past due at the time we enter into the trial period plan, then it will continue to be reported that way. WE WERE NOT LATE WHEN WE ENTERED INTO THIS AGREEMENT. THIS NEEDS TO BE FIXED. This company has been a complete nightmare and are killing our credit. They are also applying the weekly payments I made to the principal balance, and not counting it towards the currents months payment that is due and actually intended for. I make my payment thru my bill pay with   XXXX   XXXX   XXXX   .  I thought that might be confusing them, so I attempted to sign up to make weekly payments thru their website. I could n't because my account has to be current in order to sign up. It is current!!!! I have paid {$1400.00} towards my payment so far that is n't even due until  XXXX   XXXX ! Help please

Company response to consumer: Closed with explanation