BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, American Express National Bank ( AENB ) stated in writing the interest rate 0.5 % for Savings. 
I opened a Savings Acct. on XX/XX/XXXX : IRA # XXXX Issue 1 : I sent Checks to AENB on XX/XX/XXXX & XX/XX/XXXX. AENB record show deposit of checks on XX/XX/XXXX [ 11-days late ]. At interest rate of 0.4 %, not 0.5 % as promised. 
When I Q -- why? AENB didn't have an answer. 

Issue 2 : On XX/XX/XXXX, AENB withdrew {$25000.00}. from my Savings.

. I didn't receive those funds -- so, AENB put those funds back into my Savings 6-months & 10-days later ( as miscellenious deposit ), and didn't add interest. 
. So, on XXXX, I sent a Fax asking AENB 4-simple Qs, and I didn't get any answer :. Q : Why did AENB made this as a 'miscellaneous deposit ', never paid to anyone?

. Q : Did AENB report the transaction to IRA -- if it did, please fix it to avoid a problem? 
. Q : Advise whether AENB is willing to add interest for 6-months & 10-days? 
. Q : On XX/XX/XXXX, AENB shows interest payment of {$810.00} -- please advise where I can verify if this amount is accurate Or provide me a statement of 'monthly account balance, interest rate, interest paid, and the total balance ( for me to verify ). 
I did advise AENB, if it won't resolve this, I may have to report to Feds.XXXX 

.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: IL
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:
We purchased windows for our home XXXX a loan in the winter of 2019. The conditions allows us to pay off the loan in 2 years without the penaltyOf accrued interest. We have been making payments on the account, so far we have paid {$7000.00}. On all credit 3 credit reports the paid amounts are not being applied to the outstanding balance. The balance shown, is the original balance. I am seeking resolution in this matter. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: RMS-Recovery Management Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt collector has obtained my private, personal information illegally. I have tried to fix this problem with the XXXX XXXX XXXX but the collection agency stopped responding. I have had numerous individuals under this debt collection agency contact me outside the hours of XXXX and XXXX, they have harassed me, they have berated me, threatened to take illegal action against me if I didn't answer the phone or if I didn't pay. My information was illegally sold to them by another agency. I am being harassed and my life, safety, and well being is being threatened. I have asked them to stop calling on multiple recorded lines and they keep calling and harassing me. I have multiple recorded phone calls of asking them to stop contacting me. My desired outcome is for this account to be void and deleted. This is not legal.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX and Trans union have been reporting Late payments on a credit card XXXX  on my credit report. 
I summited several disputes to credit agencies to investigate and also verify if the account number on file has late payments. 
They verify as accurate which is a violation since I contacted the a creditor and they provided me with a letter that show no late payments. I have summited the letter to credit bureaus and still they claim the late payments are verified.

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 2022-04-22
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I qualify for the loan forgiveness and I have tried to do this for years and I have always been given the run around and have been told no. I worked for a XXXX XXXX XXXXl for thirteen years and I know I qualify. Last time I contacted NelNet, they told me I have to reconsolidate my loans and see if I qualify. NelNet just wants to deter people from having their debt whipped out and I owe a little under {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection company keeps putting erroneous and misleading information on my credit report. They keep taking it off and replacing it back on. I believe it to be criminal at this point and I am willing to travel anywhere for a deposition or court proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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:
I have sent a prev. dispute detailing my situation and what items should be removed in leu of the situation. I also asked for particular information if these accounts were not removed but was not provided to me upon completion of the requested investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: PNC Bank N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a checking account 19 yrs ago with another financial institution, they were bought out several times, and just stayed. my kids opened checking accounts there too, and my name is on there 's too. I had to help one of my kids get a loan for his car, they required me to be the primary. The account was up to date and they went in and took an unauthorized car payment out of his brothers bank account without permission from any of us. He called and spoke with XXXX XXXX ( XXXX ). She told him on a recorded line that I authorized it, which was a LIE. He told her that they had no right to do that and that he wanted his money returned, she told him that because my name was on his and his brothers checking account and he did n't have sufficient funds that they took it from his. I called and talked to XXXX XXXX in Executive client relations office ( XXXX ). I told her that it was underhanded and sneaky way of doing business and that i expect his money to be returned to him or that I would be filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( XXXX XXXX ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with XXXX XXXX. Very frustrating process, but I was able to pay off XXXX XXXX XXXX XXXX reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent XXXX XXXXXXXX a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2022, I applied for a B of A Platinum Rewards Card online. I received a email telling me my application was pending. I received a call from a B of A rep on XX/XX/2022. She was going to complete the application process but the number on my application was not the same number on the CR. She said she would mail me a letter and complete the process when I receive the letter. I called B of A on XX/XX/2022 and spoke to a rep name XXXX. I confirmed that I received the letter by mail. We completed the verification process. XXXX said I was approved for a {$4000.00} XXXX. The card would me mailed to the address on my application. I have never received the card. I called today, I was told that my social security number and the phone number entered into the system us incorrect. The agent was confused and wondered HOW rep XXXX was able to complete the verification process with the incorrect info in the system. I gave the correct information on my application that is HOW the first rep who called me was able to see that I have a statement attached to my credit report and they had to verify who I am before extending credit to me. So the incorrect information that the B of A saw in the system, today, was entered in incorrectly by a B of A rep. Now, my credit card is in limbo due to errors that are of not my doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Paypal Holdings, Inc
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
During many years I used to have several Paypal accounts under my name, a couple of them in the USA whereas the other ones were international ( XXXX and XXXX ). All of them were verified accounts with bank accounts and credit cards associated. Suddenly, and without any logical explanation, Paypal first restricted all of them and later ( XX/XX/XXXX ) closed them all after my appeals that Paypal denied. During this extenuating process, Paypal contradicted many times, gave confusing and illogical information, had a lot of prejudice and misleading data, fallacies of several types, etc. I am very aware MANY accountholders both in the XXXX and overseas suffered similar nightmares ( and many even worst as some websites report it! ). In XX/XX/XXXX and afterwards, I did try to obtain an explanation from Paypal by directly calling their number in XXXX, CA. However, not only I received no explanation or even some hint but also I had to put up with rudeness, unpoliteness and lack of consideration from the Paypal agents who " answered '' my calls. Speaking with the XXXX from XXXX, CA was useless as he stated he could not disclose any further details as towhy my accounts were closed. During XX/XX/XXXX year through the websites devoted to the thousands of complaints against Paypal such as http : //www.paypalcomplaints.org/ and XXXX I was able to obtain further details and I emailed XXXX, the XXXX of Paypal but never received a response ... In the same sense, I emailed several of the Paypal email addresses listed there but no response at all! The basic thing I deserve from Paypal is an explanation of what happened or what induced them to take the decisin of restricting and closing my accounts. When restricting and blocking my accounts Paypal opened several case numbers that I will provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: McKenzie Paul & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Earlier this year, I visited a free-standing ER called XXXX XXXX XXXX XXXX XXXX I was told by the receptionist that as an uninsured patient, I would have to pay {$750.00} up-front to be seen. 

As I was having what I thought was a severe medical issue, I went ahead and put it on my credit card. The doctor ran a slew of tests, including a total body scan that I came to understand was unnecessary and then did an extra scan on my neck claiming there was a mass there. The neck scan seemed to be superfluous, as it happened as I was just about to be discharged. He also talked to me about another condition in my pelvis. I told him I already knew I had those because I had a procedure the year before when I was insured. Afterward, he said the thing in my neck was not a big deal. Again, I only came to make sure that another issue was not happening. 

On my XXXX, XX/XX/27, I woke to an email from a person named XXXX XXXX from a company claiming to do debt collection for the facility, XXXX XXXX XXXX. The email said they would be investigating business about me as to why I hadn't paid the debt. I emailed XXXX back telling them that XXXX ) I had never received any bills from XXXX so I don't know why they'd jump to a collections agency, XXXX ) the PDF he included did not account for the {$750.00} I paid, and XXXX ) that I need an itemized list of the charged because they are trying to charge me over {$25000.00}. 

XXXX 's response said that they will send a request for invoicing although the client claims to have sent me two bills to the address on file and that he would " proceed with his position " till '' that time. '' I never received any bills from them. I would have addressed a $ XXXX bill If I had. 

I requested he send the invoice to me through email so that I can ensure I get it and won't be at the mercy of the USPS. 

I then called XXXX and explained the situation. XXXX, the receptionist, transferred me to their " billing department. '' Even though I asked XXXX if it was the true billing department or this collections agency and he said it was their billing department, it was XXXX XXXX XXXX. I got a voicemail for lunch hours. I hung up. 

I went to the BBB and saw that XXXX has an F rating and never responded to any of the complaints filed against them. That's when I decided to file this complaint because if a " free-standing '' ER is running up tabs like this, does not send bills to their patients to even give them a chance to pay, and then won't even answer BBB complaints, I think I need the CFPB to look into the collection practices going on for a facility that offers medical treatment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( XXXX XXXX ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with XXXX XXXX. Very frustrating process, but I was able to pay off XXXX XXXX XXXX XXXX reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent XXXX XXXXXXXX a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX reported my account over 30 days late even though we had an agreement in place which I sent to Experian. Experian lets things go 45 days with out a response but again the consumer gets the shaft because these banks control Experian. The other credit bureaus have already removed these items after I sent documentation. So I am going trust that Experian even did the investigation. My next plan of action is filing a lawsuit against Experian and 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 2022-07-26
Company: Foris DAX, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I got scammed by XXXX. It happened XXXX last year. I used Crypto.com to convert dollar to crypto to send to scammer. The scammer disappeared and my funds were lost. I contacted cyypto.com and tried to resolve. They weren't helpful. Hence i am filing the complaint. See attached letter for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: NV
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:
XXXX Equifax and XXXX XXXX have been reporting Late payments on a credit card XXXX  on my credit report. 
I summited several disputes to credit agencies to investigate and also verify if the account number on file has late payments. 
They verify as accurate which is a violation since I contacted the a creditor and they provided me with a letter that show no late payments. I have summited the letter to credit bureaus and still they claim the late payments are verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my property taxes and and home insurance separately. So I dont have an escrow with the company and have been paying this for awhile. There was a 12 day lapse in insurance ( I guess the card didnt go through ). They added insurance and an escrow account without telling, calling me, or sending an email ( they send emails for everything for whatever reason ), they also didnt mention this until many months later whenever the payment amount increased. They eventually cancelled their insurance but wont take off the escrow because they claim its said in the closing documents ( Which this is after several phone calls and getting hung up on ) they said it was in the security deed but I dont see anywhere where it says That. Im tired of being told different things and will get an attorney involved,, just wanting to make a complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Paypal Holdings, Inc
State: MD
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 had an old payflow account that was activated in XX/XX/XXXX for use again with eBay. It was not until XXXX XXXX, 2015 that I was shocked to see an invoice for a bill of {$100.00}. I was able to call in today XXXX XXXX, 2015 to inquire about the bill since I never used the account since activation nor was I notified of anything owed at the time of reactivation. I do not believe I owe any charges from the past nor do I consent to any unauthorized charges.

Company response to consumer: Closed with non-monetary relief