BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-25
Company: Paypal Holdings, Inc
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal case ID for this reason is XXXX PayPal has put an illegal hold on {$290.00} in my account and refuses to allow me to withdraw my money. 
This issue has already been ongoing since XXXX XXXX or so of 2015. 
I am a XXXX XXXX XXXX, and I made a payment to elance.com website for a service. Within my own paypal account, my friend and I added her credit card to the account a few months prior so we could order a new cell phone replacement screen on Ebay. Her card was not the " PRIMARY '' card on the account, my own was. So when I placed a {$290.00} payment to elance.com, paypal used my friends credit card instead of the available XXXX in my bank account. Which was their mistake and problem they caused for my friends bank who put her into a negative balance and then charged her {$33.00} for every few days the issue went on. PayPal refused to " refund '' the friends card, and debit my account. Claiming that I had to pay that person myself, with cash. So I did so just so the friend was not out {$320.00} and was charged another overdraft fee. 
XXXX later refunded my payment, which is the natural course of action when the other party does not pay for their cost of the arbitration filing. So now that my XXXX was refunded to paypal, paypal locked my account and refuses to allow me to remove my funds. 

Aside from filing a law suit in court, I am going to try this fist. 
If this issue is not resolved in 1 week, I will also be filing that suit in my local court forcing them to A ) pay to defend and B ) cost them more money when I win the judgement + court costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2022 I sent Certified Mail to all 3 credit bureaus ( Equifax, XXXX and XXXX ) notifying them that the personal information listed on my report is inaccurate. Credit bureaus are legally required to report accurate and up to date information. On all 3 reports addresses, phone numbers and alias names were linked to myself. This may possibly be from identity fraud or negligence on the part of these credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company is reporting on all XXXX credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: HW Holding, Inc
State: TX
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:
currently reporting XXXX invalid debts based on false claims and / or false representations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: KY
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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update these items right away : MEDICAL XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife and I have a Home Equity Line of Credit ( HELOC ) with Citibank. The account number is XXXX and is in the name of XXXX and XXXX, XXXX, XXXX, Ca XXXX. 
The Credit line is for {$380000.00}. The money is in this HELOC account and when we need to use it we transfer funds from the HELOC to a Citi Gold checking account # XXXX. 
We then are charged interest from the time the funds are transferred to the checking account. These accounts were set up in XX/XX/2016 and we have transferred funds numerous times since then. 
This morning the Citibank web site that we access to make the transfer contained a notice that said. " To avoid a change in your Citigold package increase your combined average monthly balance to at least {$200000.00} '' My wife had an on line chat with the bank and this was confirmed. 
We are now forced to pay interest on a minimum of {$200000.00} of funds we are not using. 
Th

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 2022-10-06
Company: EQUIFAX, 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 Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX, ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person who knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: MI
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 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 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Consumer Financial Services
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX  doubled charged my bank account with a payment causing overdraft fees and my account to be in the negative for over 5 days. A payment posted on XX/XX/2021 of XXXX and on XX/XX/2021 for XXXX leaving my account in the negative and causing overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
{$68.00} - XXXX XXXX is continuing to put old medical bills on my credit report that were removed repeatedly because I had medical insurance that covered the bill $ XXXX XXXX XXXX and XXXX also is a company that continues to put a balance from a medical bill that was not only covered by my insurance but has been removed multiplies times in the last 2 weeks the dates are incorrect on both these bills and the companies need to be help accountable for this invalid information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
{$68.00} - XXXX XXXX is continuing to put old medical bills on my credit report that were removed repeatedly because I had medical insurance that covered the bill $ XXXX XXXX XXXX and XXXX also is a company that continues to put a balance from a medical bill that was not only covered by my insurance but has been removed multiplies times in the last 2 weeks the dates are incorrect on both these bills and the companies need to be help accountable for this invalid information

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 2017-02-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/2005 I was put on a transplant list. I had just retired and I only had XXXX After the XXXX claim my premiums trip tripled and benefits were cut by XX/XX/XXXX. With all of the medical expenses, I was forced to refinance and an online broker filled out the paperwork so I would qualify for their XXXX XXXX. I was desperate and sick. I was being charged up to XX/XX/XXXX XXXX % on a house that was under water! The loan was bot and sold many times to different ( Loan Servicing Companies " Debt Collectors '' ) I finally was able to receive a Loan Mod. 
From XXXX ( Really Crooked ) that took about a year and a half! It was affordable at first, but now the interest rate is making it unaffordable again! The loan now is owned by Ocwen Loan Servicing ( More Crooked than Any Debt Collector )! Impossible to deal with! 
In XX/XX/XXXX I sent a Certified Letter & Claim re : The XXXX and the original DEED that was fraudulentl from the start. It was made by XXXX Mortgage in XX/XX/XXXX 
Ocwen has never replied the XX/XX/XXXX Certified Mail. All they have done is send me copies of the original Loan Modification Documents and avoid/ignore the fraudulent claim against them! 
They are stalling because my house is now longer under water and they would love to own it! 
I am now XXXX years old and try to work as much as I can, but I 've had a XXXX, I 've had over XXXX in my lifetime and still do have XXXX removed about every XXXX months, due to a compromised Immune system from trans plant. 
I would sure hate to be on the street at my age and condition!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I online deposited 2 checks on XX/XX/2020, into my M & T account in the amount of {$240.00} and {$1000.00}, the checks where from FTC v. XXXX XXXX. When I deposited the checks I didn't notice that they had expired, the next morning I contacted the bank Customer Service department to stop the process, I was told to go to a branch location and I did. I went to the branch location the same day and spoke with XXXX XXXX she said that she couldn't stop the process I would have to wait until it was returned and send the checks back and ask them to replace the checks. I sent both checks back to the company asking them for replacements, I then contacted FTC v. XXXX on XX/XX/2020, to see if they received my request and they stated yes, however they would not be issuing replacements because they honored both checks and they cleared on XX/XX/2020. I again contacted M & T Bank letting them know what was told to me by FTC and they said yes it cleared but they were not releasing the funds to me because FTC could ask to the money back and that this could take up to one year for them to release my funds, I needed to get a statement from the company stating that they are not going to ask for the money back and a copy of the cleared check. I then sent another letter on XX/XX/2020, to FTC v. XXXX XXXX requesting a letter stating that they were not going to ask for the money back and a copy of the canceled checks. To date, I have not received any funds and no solution. My M & T online bank account has been inactive since XX/XX/2020, and I don't have any access to my accounts and they sent one on my bill payments back to the company stating that my account was frozen. I have not received a statement since XXXX because I viewed my statement online.

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 2022-08-30
Company: National Credit Adjusters, LLC
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:
THEY HAVE REPORTED I OWE FOR A DEBT THAT ISNT MINE ALSO KEEP CHANGING DATES ON THE REPORT MAKING IT LOOK NEWER I REACHED OUT ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND OR SEND ME PROOF THEY HAVE FAILED TO DO SO I NEED HELP IN GETTING THIS OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a bankruptcy on my credit file since XX/XX/2013. I have been unable to verify this information with the courts and have repeatedly asked the credit bureaus for documentation supporting this bankruptcy. I am disputing the type of bankruptcy and the filing date. I have been denied credit, housing, employment because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Umpqua bank allowed a transaction of {$180.00} out of my checking account from a garnishment, then charged me an additional {$120.00} in fees. My paycheck that Friday was only {$300.00} and my checking account consisted of only XXXX dollars and change prior to my direct deposited check. They wiped my entire account to XXXX balance then closed it. When I requested all funds be refunded as that was my very last paycheck prior to going on XXXX which could take weeks to process prior to receiving any payment at all. I 'm a single mom with now not a dime to feed, clothe or shelter my own children. I did not have the funds to garnish, I did not have a phone call, a letter or any notification of this transaction and if I had I could have paid the garnishment and at least had XXXX to feed my children. This was a violation of my rights and should be illegal,, I 've been robbed from my own financial institution who I have trusted. This bank is refusing to help me in this matter in fact blaming it on the creditor XXXX, stating they should be responsible for the fines and fees ... .but here 's my question " should n't the creditor and the bank allowing a garnishment have the same laws set before them to fully understand the allowed amounts to be taken according to the amount in the account? They took more than double 25 % of my wages that week and Umpqua finished my account off after. They are 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 2022-05-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in the ATM of my bank on XX/XX/2022 at XXXX PM. The receipt stated that {$420.00} was the amount to be delayed on a check made out for {$650.00}. This was a Friday. I spend some money Saturday not knowing that the bank has placed a hold on the whole amount and funds will not be available until XX/XX/2022. I have reoccurring accounts set up with my bank. Going over my statement I notice that they are charging a late fee even before the late fee occurs in my account. Like it was a planned event on their end. I go to the bank Tuesday XXXXXXXX XXXX to ask why the hold is still on my check when the bank that the check was drawn on checked and saw that the check was cleared by their bank Monday XX/XX/2022. I went into branch office of Wells Fargo and asked why XXXX had not been completed. Because first of all, the funds were in the drawer 's account that day ( XXXX, XXXXXXXX XXXX ) because I took the payer to the bank as I have done for the past 5 years. This is the whole statement after depositing check : " A hold will be placed on the following check due to doubtful collectability. We have been notified by the paying bank that the check may be returned unpaid ''. Now while I wait on payment that I depend on to pay my debt, they are charging me late fees. That's not fair and if I can prove that the other bank did not send this message, what can I do to be made whole again? Financially in a bind like other Americans right now.

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 monetary relief
Consumer complaint received 2020-04-10
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In order to refinance my mortgage, which I desperately need to do and as quickly as possible ( or it may not happen ), I need a payment amount to show up for my student loan on my credit report. However, because I was on forbearance, it is not showing up. I then applied for a payment plan, only to find out on the 10th business day when they finally answered my phone call that they would not be able to put me on a payment plan due to COVID-19. Thereafter, we decided that a suitable alternative would be a letter that could be emailed to me explaining the circumstances. However, they keep changing their story and at first, they were saying they would send that letter within a couple of hours and then they kept subsequently changing the time frame. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
We issued Ocwen Loan Servicing a notice of void/rescission demand of a refinance for our principal dwelling, that was done in XX/XX/XXXX. We found out that the entire transaction was a sham. We agreed to an FHA Negative Equity Refinance loan. At the time we had no knowledge and were being pressured by XXXX to pay XXXX a month even though our payment was around $XXXX a month. While into our 3rd month of making these payments, Mortgage Services XXXX, offered us an unsolicited refi, at the bequest XXXX for the FHA loan. 
    We were told, that the loan would reduce our principal balance and lower our monthly payment. According to our final XXXX statement, our principal was listed at XXXX and our payment was listed as XXXX. According to the appraisal, our home's value was listed as XXXX. To qualify for an FHA negative equity loan, we had to owe more on the home than it was worth. According to the attachments, you can see this was not the case.
    On the Hud-1 It shows our principal balance as XXXX and our monthly was listed as XXXX. All of this information is blatantly false. The payoff statement from XXXX listed the payoff amount as XXXX with no information to explain why it was so much because the XXXX statement the month before stated our principal balance was  XXXX. 
   The Supreme Court Ruled that all a consumer must do to rescind a refi on a principal dwelling is to send the creditor notice. We sent Ocwen several and Ocwen is noncompliant on all of them. We sent the first demand to void the loan on  XX/XX/XXXX Ocwen sent us a denial and they did not file anything in court to declare they are the creditors within the 20 days they had to dispute the rescission. It has been almost 2 years and Ocwen did not file anything in the Court for a declaratory action, and because of this they have no recourse, the loan has been void since XX/XX/XXXX, as are the note and the debt. They are time barred to do anything at this point, they are in no way entitled to relief, and they still have not begun the process to unwound our loan, they have ruined our credit illegally, and they are going against the very thing Congress and the CFPB laws that are used to help the consumers. We had only to send them notice for rescission and from that point forward the security instrument Ocwen has is null and void. They have not given us any of our money, they have illegally ruined our creditor and they have been engrossing in improper litigation for almost 2 years, when a rescission is instantaneous. 
    The ruination of our credit has caused us many hardships, due to costly repairs that we have needed for our home, auto and healthcare. We went the entire XXXX with a broken heat-pump and now it is the XXXX and our A/C is broken and we can not get financing because of Ocwen and we can afford to replace it because our daughter has to XXXX.

Company response to consumer: Closed with explanation