BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-23
Company: Paypal Holdings, Inc
State: PA
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:
A caller contacted me to collect a false debt on a nonexistent account totalling {$2400.00} while impersonating a representative of PayPal. The caller requested immediate payment of a minimum amount of a couple hundred dollars to avoid more late penalties added. I said I would call back and then called the real PayPal who verified no account existed under my name holding any debt. 

The number the call originated from is XXXX. They are scammers, but brazen enough to have a website called " PayPal Credit '', based in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended XXXX XXXX XXXX and had remaining school loans after they closed their doors in XXXX. My student loan was with Navient, looks like the CFPB reached a settlement in XXXX that forgave the student loans with Navient as well. At this point I still continued to pay because I didn't want my credit to have a negative impact. Will this money be refunded to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Paypal Holdings, Inc
State: VT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have purchased several ebay gift cards over the course of the past two months through paypal digital gifts. These gift cards are supposed to be usable at ebay, unfortunately when I go to check out I get a message saying " Something went wrong. Please try to check out again. '' error XXXX. Everytime I make another attempt it gives me the same error. I have called ebay, they tell me it 's paypal, paypal tells me it 's ebay. Then ebay tells me it 's a security issue and ca n't provide me with any further information, then they tell me their executive department will get back to me and that never happened. I 'm at a loss of what to do. No one at either Ebay or paypal seems to know what the real issue is or why their own gift cards will not work ... At one point they even sent me to Ebay XXXX? I do n't live in XXXX I live in the U.S. It would be one thing if they could tell me the issue and give me options, however they refuse to do anything and the problem persists today.. Any other normal business would address this issue, however Ebay has a monopoly over this market, and forces everyone to use Paypal even if your using their gift cards?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I seen a Article on XXXX  XXXX XXXX XXXX backhoe loader for {$13000.00}. So the seller told me that she have someone to handle this transaction for her. She told me that it's no need for he to be involved. Because she hired a XXXX XXXX to handle everything concerning the sell between me and the seller. She told me that XXXX XXXX are going to send a ESCROW AGREEMENT to sign. XXXX XXXX told me they only accept wire transfer only. I ask them does this {$13000.00} include the Shipping as well. I did my wire transfer on XX/XX/XXXX. XXXX XXXX told once the wire clear. They will ship the XXXX XXXX XXXX and will be there on XXXX/XXXX/XXXX. So I waiting for the XXXX XXXX  XXXX on XX/XX/XXXX I call XXXX XXXX ask them where is the XXXX XXXX  XXXX. XXXX XXXX told me that they had other heavy Equipment to be deliver they had a problem with one of the deliver. So XXXX XXXX change the deliver date on XX/XX/XXXX. So waiting again for the XXXX XXXX XXXX. I tried calling them to ask them about the XXXX XXXX XXXX no one would answer my call. So call my bank about this my bank open a Claim # XXXX to call the wire transfer bank on my behalf to attempt recovery the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: FACTUAL DATA CORP.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There was a judgment filed on me several years ago, but it has been paid in full. The judgment is still showing as active. My wife and I refinanced our home in 2012 and at that time we paid off the judgment. I will attach a copy of our HUD Settlement Statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Dear Sir or Madam : Consumer Financial Protection BureauRe : Dear : INVESTIGATORThis letter is to complaint about a problem I am having with the Credit Agency on a chapter XXXX case from XXXX XXXX, XXXX that has been dismissed close since XX/XX/XXXX XXXX. I been trying to repair erase and remove from credit report since XXXX XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit and this contribute for me to pay more interest on any credit that I try to open I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their reports letters and other relevant documents with dates of close and dismissed dates unfortunately the problem remains unresolved. 

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item CHAPTER XXXX DISCHARGE ON XXXX/XXXX/XXXX I am requesting that the item be removed and to correct YOUR FILE information. 
Enclosed are copies of supporting my position. Please re-investigate this matter. 
Thank you for your anticipated assistance in resolving my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
THESE MEDICAL ACCOUNTS ARE INCORRECT. I HAVE HAD MEDICAL INSURANCE ALWAYS. IMPROPER FILING ON ACCOUNT. THESE ARE ALSO SHOWING FROM 2010 WHICH IS ALMOST 6 YRS. I HAVE CONTACTED THESE ACCOUNTS IN THE PAST AND GAVE ALL INSURANCE INFORMATION. BUT IS STILL SHOWING IN CREDIT REPORT AND IS DAMAGING MY RATING. PLEASE REMOVE FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to the Fair Debt Collection Pract ices Act, 15 USC 1692g Sec. 809 ( b ), XXXX  claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that XXXX  provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I made my first purchase with Pay Pal XXXX, 2015 and it was a promotional purchase. I 've asked to have my payment post on that purchase, but I learned they have n't been doing that until last month and now this month. The have me calling every month to put that money on that purchase and if I dont call they will place the payments somewhere else. Also I returned an item which they gave me credit for but they refuse to take it out of the promotional purchases and have it collecting interest. How am I going to pay interest in something I returned? I just made the call for this month and was told it was good for me to have the returned purchase still collecting interest. I dont know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX went out of business years ago. I had an account with them XX/XX/XXXX. It was charged off before XXXX. XXXX sold to XXXX XXXX ... who sold to XXXX. This debt, which was outside the statute of limitations 5 years ago and outside the federal obsolescence time frames for the Fair Credit Reporting act 2 years ago is STILL on my file. I assume if XXXX sells it to XXXX who sells it to XXXX, it will be on my file until I die. I disputed this with the bureaus with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-09-07
Company: EQUIFAX, INC.
State: IN
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:
Despite the fact that I never gave any company authorization to contact me as the original creditor and executor, they did so frequently and abusively. Under the Fair Debt Collection Practices Act, 15 USC Section 1692, I was a victim of invasion of privacy.

Company response to consumer: Closed with explanation
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have had a 30-yr. mortgage for 10 years ( XXXX/XXXX/XXXX ) with XXXX ( XXXX. XXXX XXXX, XXXX, OH XXXX ) on our primary residence. Last month, we received a monthly mortgage statement from Seterus, Inc. ( XX/XX/XXXX ), without my knowledge that XXXX had transferred our mortgage to Seterus so I sent our payment of {$2300.00} on XX/XX/XXXX. A week after that, we received a letter from XXXX notifying us that the check was sent to XXXX, XXXX being our new mortgagor since it 's still within the XXXX transaction period between XXXX and Seterus, Inc.. We called XXXX and found out that they have transferred our mortgage to XXXX XXXX XXXX and was told that they have sent a " Good-bye '' letter through USPS . Unfortunately, I ( XXXX XXXX ) was on a trip outside of the US since XXXX XXXX, XXXX and returned on XXXX XXXX, XXXX. While away, I tried to contact XXXX through email payment but was not allowed to do such transaction because the correspondence was considered " suspicious. '' Therefore, that did not allow me to pay our monthly mortgage for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX on line ( without my knowledge that our account was already transferred on XXXX XXXX, XXXX ). I called XXXX and complained about not forwarding the " Good-bye '' letter through email since I have been corresponding with them for years through email and why it was different this time when they wanted to send the good-bye letter. Had I received that good-bye letter through email, I could have told my husband to arrange payment with them with my authorization. I believed that they did not give us a chance to make the necessary payment arrangement before they transferred our account to Seterus. We contacted Seterus, Inc. trying to make a {$1500.00} payment on XXXX/XXXX/XXXX. We also let them know that the amount is all we can afford to pay towards our mortgage since I have been unemployed since XXXX XXXX, XXXX. My husband is a veteran and is receiving XXXX benefits. He 's recently on a car accident and sustained XXXX which he will require and is scheduled for a XXXX on XXXX XXXX, therby limiting his ability to earn more money. Seterus, Inc. was not helpful and rude that they have threatened us to foreclose our home. I have paper trail to show our attempt to catch up with our payments as well as travel documents to prove that I was not in the USA when XXXX sold our mortgage to Seterus. Inc.. At this time Seterus has put the {$2300.00} as a suspense account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: DISCOVER BANK
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
Yes I gotten an email about a few months ago about a 0 % balance transfer and it doesn't seem to be working and I have tried to call you guys and ask what's going on but nobody seems to know the case. I really need to use a zero balance transfer ASAP during these hard time. May I please be able to use the balance transfer for the 0 percent for a 12 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: VA
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, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Syncrony Bank has opened an account with with my info in another persons name, I have called numerous times and they have failed to solve the problem. My name is XXXX XXXX and the scammer is using the name XXXX XXXX. The bank refuses to help me solve this issue. I will be forced to close all of my credit reports. Please help me! My email was sold on the dark web and I need this resolved. The bank won't listen to me even though all of my personal info is connected to this account.

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 2016-07-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EQUIFAX refuses to correct missing information from my file. I have XXXX accounts with XXXX XXXX XXXX yet they only report XXXX. In addition, they have reinserted an incorrect version of my name and an incorrect address as well as deleted numerous accounts with an excellent history. I believe this was done to " punish '' me for my repeated requests for correction of information as well as my previous complaints against them with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
a foreclosure was halted in XXXX 2016 by me XXXX XXXX in which I filed chp XXXX bankcrupty. 
In XXXX 2016 shortsale letter was issued by seterus the servicer. My loan amount was {$310000.00}. The amount from shortsale letter demand was for {$450000.00}. Their net demand was {$400000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2015-06-24
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I purchased a coat in XXXX 2014 on Ebay and used my Paypal account. The coat was NOT the real thing and I was told by the seller in XXXX XXXX to send it back using USPS and I would be refunded the money. The cost of the coat was {$400.00} I had it insured. The seller in XXXX XXXX claims she never received it. The USPS says it was delivered and gave me a delivery receipt. Filed a complaint with PayPal and they denied it because it was 45 days after the purchase. Now I do n't have the coat and I am obliged to pay the {$400.00} to PayPal with interest. I filed a complaint with XXXX. to no avail. 
This is fraud and PayPal should stand behind their paying customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear Sir/Madam. 
Bank of America froze my checking account with my funds in the account and refuse to give me money.I did go to the branch to resolve it but manager wasnt able to help me.They promise to send me a check in 10 days or so but i would like to have My Funs faster.Also they dont give me a reason for closing my account.

Another issue with Bank of America that they also closed my joint account with my spouse. 
I hope its not because our XXXX marrige bothers them, not that i really care about reasons to close my accounts. 
I just would like to receive my funds the same way i deposited them : Cash thanks for Your time and help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I paid my medical bill in full XX/XX/XXXX. I started receiving phone calls stating that I had paid too much, and that I needed to submit a separate payment to reach the total. I have been receiving phone calls since XX/XX/XXXX, and with each call I request that they send an invoice to validate the debt. The phone calls increase in quantity and hostility.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax placed an adverse account on my credit report from a company called, " XXXX '' on XXXX XXXX, 2008. This account should have never become adverse because I turned in a forbearance form that should have prevent this loan from ever defaulting. Since this account is scheduled to be removed soon anyway, I would like it deleted from my credit report. It would save me and XXXX XXXX a great deal of trouble. If this account is not removed asap I will have to seek legal counsel to get it deleted.

Company response to consumer: Closed with explanation