BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i created my first only venmo account to accept a payment from my boss, for previous hours that i had worked. my boss sent me a {$250.00} payment less than 5 minutes after creating the account, and as SOON as i tried to transfer the funds into my bank account venmo froze my account without reason and refused to let me use or transfer any funds in my account for the past 3 weeks!!!!!! i have been contacting them EVERYDAY. with their phone reps hanging up IN MY FACE time after time saying they cant help over the phone, but to " reply to the account frozen email '' that they sent me and theyd reply within 48hours there, WHICH WAS A LIE. i have been calling them for weeks and EACH TIME THEY REFUSED TO HELP ME AT ALL ; EVEN AFTER THEIR SUPERVISOR TOLD ME THAT VENMO 'S APP GLITECHED AND WRONFULLY CAUSE THE FREEZE, THE STILLL REFUSED TO HELP. SO i filled out their online contact forms, that LIE AND FALSELY SAY THEY'D CONTACT ME WITHIN 24 HOURS FROM WHEN I COMPLETE THE FORM. ITS BEEN WEEKS SINCE I FILLED OUT THE FORM AND THEY REFUSE TO CONTACT ME. EVEN AFTER i submitted EVERYTHING THEY FORCED ME TO ( ie. my drivers license, my social security number, birthday, address... that i sent to them the SAME DAY that they wrongfully froze my account. ) i am STARVING AND COULD USE THE MONEY I HAVE IN MY ACCOUNT BUT THEY WONT LET ME FOR ALMOST 3 WEEKS AND I HAVE A RIGHT TO IT. i have done absolutely NOTHING WRONG. ITS NOT FAIR TO ME I HAVE MONEY IN MY ACCOUNT BUT I HAVE TO GO HUNGRY BC VENMO REFUSES ME ACCES, STATING THEY COULD GIVE MY MONEY BACK TO THE SENDER BC OF THEM wronfully freezing my account. they still refuse to help even AFTER submitted this case to the XXXX. who gave my you guys ' information. ive emailed Venmo for WEEKS BEGGING AND PLEADING TO unfreeze my account but THEY NEVER RESPOND. I need and deserve access to MY MONEY, i have a child. how can they treat me like this and get away with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, XXXX Dear CFPB, I have paid in full a medical collection account in the amount of {$940.00} from when I had and was treated for XXXX XXXX and they are refusing to remove the collection account. 
On XXXX XXXX, XXXX I was turned over to collection by XXXX XXXX XXXX, XXXX, Billing office XXXX, XXXX, MT. XXXX a division of XXXX XXXX XXXX XXXX by XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , MT. XXXX. 
After being denied a payment plan which was granted by all other affiliates and divisions of XXXX XXXX XXXX XXXX and after being turned over to collection there was back and forth about what was actually owed I received XXXX, XXXX ( division of XXXX XXXX XXXX XXXX XXXX ) statement dated XXXX/XXXX/XXXX in the mail with a balance due of {$940.00} which I paid in full within 3 days and have a cancelled check # XXXX in the amount of {$940.00}, see attached. 
Recently I pulled my credit and the collection account is showing on my credit report. I forwarded a copy of XXXX, XXXX XXXX/XXXX/XXXX statement and a copy of my cancelled check and the XXXX XXXX XXXX XXXX wrote back and stated ; See attached " Hi XXXX, Collection Bureau confirmed that the original creditor is XXXX XXXX and XXXX XXXX has not recalled the account and it still has a balance of {$1000.00}. You can call Collection Bureau at XXXX. '' XXXX XXXX CUSTOMER CARE SPECIALIST - FCRA CERTIFIED CREDIT TECHNOLOGIES XXXXXXXXXXXX XXXX EXT. XXXX I then called Collection Bureau Services , Inc. A Debt Collector XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, ( XXXX ) XXXX XXXX and spoke to the Manager, XXXX XXXX XXXX who confirmed the balance due is {$1000.00} and that XXXX a division of XXXX XXXX XXXX XXXX has not released the account. 
I asked XXXX XXXX, " IF I have a balance due then WHY have n't I heard another word from you in over a year, one year and four months to be exact? '' and XXXX replied " okay XXXX, okay. '' XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are in on denying me my rights to show a XXXX balance, collection paid on my credit report. 
I paid this bill ONE YEAR and FOUR MONTHS ago and this is the continued harassment from Collection Bureau Services Inc., and XXXX XXXX XXXX XXXX XXXX XXXX is blatant. I demand they remove this collection from my credit report immediately! 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MT. XXXX XXXX and XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: JPMORGAN CHASE & CO.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  continually violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act. XXXX XXXX XXXX contacted my in XX/XX/XXXX though the telephone, stating that I owe them money based off a collection account I had with XXXX XXXX. I instantly told them that I was in the process of paying this debt off with XXXX XXXX XXXX. I had disputed this account with XXXX XXXX in XX/XX/XXXX and they furnished account verification within 30 days. I setup a payment agreement and completed it.

After speaking with XXXX XXXX in XX/XX/XXXX, I emailed them the information they requested on XX/XX/XXXX on my payment agreement with XXXX XXXX, and I requested account verification from them. The company never responded to the email or furnished account verification to this day.

They proceeded to place a collection account through all 3 credit bureaus. I instantly disputed the accounts and they were removed. They again were placed there in XX/XX/XXXX and I disputed the account again. I contacted XXXX XXXX XXXX  on XX/XX/XXXX and furnished the payoff letter from XXXX XXXX The account was removed again, only to be placed back on there multiple more times since.

XXXX XXXX XXXX has violated my rights under the Fair Debt Collection Practices Act : 1. They continue to try to collect a debt they have knowledge has been paid and is not owed to them.

2. Threatened legal action against me 3. Furnish false information to the credit bureaus ; XXXX, XXXX, XXXX. XXXX XXXX XXXX has violated my rights under the Fair Collection Practices Act : Fair Debt Collection Practices Act Section 809. Validation of debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report.

I have submitted multiple complaints through the Consumer Financial Protection Bureau to no avail. How can a company continue to operate outside the law and violate my rights afforded to me though the above mentioned laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of accounts that are not mine : XXXX XXXX Acct # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX   Acct # XXXX, These inquiries that are not mine : XXXX | XX/XX/2020, XXXX | XX/XX/2020, XXXX XXXX XXXX  | XX/XX/2020. I have contacted the FTC and the local police and I am doing this on my own behalf. I need those items removed as soon as possible please.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of accounts that are not mine : XXXX XXXX Acct # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX   Acct # XXXX, These inquiries that are not mine : XXXX | XX/XX/2020, XXXX | XX/XX/2020, XXXX XXXX XXXX  | XX/XX/2020. I have contacted the FTC and the local police and I am doing this on my own behalf. I need those items removed as soon as possible please.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
The credit bureau stated my account was properly investigated, unfortunately that is inaccurate. Many inconsistencies regarding matching data information. They also violated my rights. 15 USC 1681 section 602 A. States that I have the right to privacy.

15 USC 1681 604 A section 2 States that a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX 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 can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello I received a copy of my credit report and found a host of inquiries that i was unaware of that I had pulled during the purchase of my car last year as well as other inquiries from loan requests. I'm hoping to get these inquiries removed as they are affecting my credit and my ability to further my credit abilities any help is greatly appreciated. 

XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX  Experian XX/XX/XXXX XXXX XXXX  XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX  Experian XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX  XXXX XXXX Experian

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 2016-10-13
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received innumerable telephone calls, and numerous letters, regarding payment of a " debt '' I have no knowledge of and no involvement with the alleged creditor. 
I have repeatedly told the debt collector I do not owe a debt, and remind them that IF I did, they acknowledge the statute of limitations has run ... so I would n't pay it anyway.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have an agreement in place with Portfolio Recovery Associates ( PRA ) to payoff my XXXX credit card with monthly electronic fund transfers from my personal checking account. I 've covered all monthly payments, as agreed, starting XX/XX/XXXX. In XX/XX/XXXX, notice the latency, I received a letter from PRA to " collect a debt '' and discuss payment options that I ignored because we already have an agreement in place with XXXX covered payments. PRA disclosed the debt to credit bureaus, according to PRA, to " report payments ''. Due this action, my credit score took a dive of XXXX points. PRA is unethical because they disclosed false information to the credit bureaus and tried to brainwash me explaining this was actually " helping me ''. PRA, explain to me why after XXXX payments, with no missing payments, you report the debt to the credit bureaus? After 3 years? How lame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX I do not recognize these transactions credit was pulled multiple times when it should be pulled once by some institutions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter to Equifax about the inaccurate reporting on my credit report and that I would like them to provide documentation on how they verified my information. I have not received a reply from Exquifax and at this point, I feel as if I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) states that the CRA must conduct a reinvestigation of any item of information in a customer 's file if the customer alleges the item is inaccurate. and if the CRA does not conduct a reinvestigation items must be removed from an individual credit report within 30 days. This inaccuracies that Equifax is reporting to my account should be deleted promptly or I will file for litigation for the stress they have caused me, my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: WI
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:
The credit bureau stated my account was properly investigated, unfortunately that is inaccurate. Many inconsistencies regarding matching data information. They also violated my rights. 15 USC 1681 section 602 A. States that I have the right to privacy. 
15 USC 1681 604 A section 2 States that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX Chase Bank sold my mortgage to XXXX XXXX XXXX California. I was advised on a phone call to Chase on XX/XX/XXXX that the ongoing electronic transfer would continue with XXXX Bank. 

On XX/XX/XXXX, the Chase Bank automatic portal was disconnected. In subsequent calls to Chase and XXXX, I found out that the ACH transaction was scheduled for XX/XX/XXXX when it previously had been scheduled for the XXXX of each month. 

On XX/XX/XXXX, a verbal acknowledgement was given that the ACH debit would take place on XX/XX/XXXX. 

Complaint : 1 } I never signed any type of authorization for a debit of my Chase account to a third party. 
2 ) I never received a written disclosure from Chase or XXXX bank stating the ACH transfer would be made with basic information : ( Date, account and amount ). 
3 ) The scheduled date, without any notification of the change in ACH date would have resulted in a overdraft if the proper account was not funded. 
4 ) Chase refused to take any ownership of the accuracy or verification of the transferred information to XXXX Bank. 
5 ) XXXX Bank initially refused to give me any type of notification of the intended transfer on XX/XX/XXXX or XX/XX/XXXX due to some version of their restrictions in disclosing information. 
6 ) How can any bank authorize a bank withdrawal to a third party without written or electronic consent? ( Chase reported that the original bank ACH " would remain the same '' on XX/XX/XXXX ) 7 ) On CFPB Inquiry call XXXX XXXX ), I was advised that a 15 day notice was to be given by the banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid a bill online and inadvertently sent a payment to my Williams-Sonoma Visa card instead of my Rapid Rewards Visa. I had charges for a four person trip to XXXX in my Rapids Rewards Visa and intended to send {$12000.00} to my XXXX XXXX Rapid Rewards Card. I received an e-mail from Williams-Sonoma Visa on XXXX XXXX to acknowledge my payment. I notified them immediately and it was agreed I now had a XXXX credit balance. I have called several times and have been told that the money was not actually in the W-S account because it takes a long time to clear the bank. It is now XXXX XXXX. I need this money to pay the account I actually owe. I feel W-S is keeping my money as long as they possibly can when I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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 XXXX  Account, XXXX XXXX Bank account number starting with XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2016-08-18
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My mortgage was originally opened with XXXX XXXX XXXX. I am currently retired, living on my Social Security and a small pension. My social security is received by my bank on the XXXX Wednesday of the month at which time my monthly mortgage payment is applied. Originally, prior to XXXX XXXX, the mortgage was paid on the XXXX of each month. This became a problem since Social Security made it 's payment on the XXXX Wednesday of a the month. Sometime around XXXX XXXX I made a loan modification agreement with XXXX XXXX XXXX to extend the mortgage due date from the XXXX of the month to the XXXX of the month. 

Seterus, a new mortgage company, took over my loan in XXXX, XXXX, without accounting for this loan modification. In addition, they did not account for my XXXX payment which was deducted from my bank on XXXX, XXXX, XXXX. These errors have not been corrected. Seterus now shows my mortgage in arrears, which is incorrect and creates an error in my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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 act XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX Account # XXXX, have 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 can not furnish an account with my written instructions

Company response to consumer: Closed with explanation