BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I called PayPal to make a tution payment of {$1500.00} for a 30 day course in XXXX. At the time I thought my bank acct was being debited as it had happened at other times I did business with Paypal. Instead the agent advised me I could pay up in 6 months at 0 % interest. He then asked me to verify my email, I gave him my XXXX acct. Complaint # 1, I never received confirmation to my XXXX regarding terms and conditions of this transaction. In XXXX I returned from XXXX and I went about my business as usual. Complaint # 2, I never received reminders ; they say they sent them to a XXXX XXXX account which I had deactivated way before XXXX Evidently PayPal failed to update my XXXX acct I gave the agent on XX/XX/XXXX. 
OnXX/XX/XXXXXX/XX/XXXX for the first time I received a call from PayPal XXXX XXXX. I was in shock when the agent asked me for {$120.00} past due [ I am proud of my excellent credit report ]. At that moment I thought it was a scam but after I checked my records I realized that I had a problem. My requests : I would like a waiver of half of the remaining balance because they failed to send reminders to my XXXX. Instead they sent emails to a deactivated XXXX account. Also, PayPal took 8 months to call for the first time, why someone did not call me in XXXX or XXXX. XXXX XXXX I wrote to MsXXXX XXXX XXXX, VP of XXXX XXXX to explain my case. I only received a generic email stating they're investigating, ( note : at the time I felt some responsibility and decided to pay {$100.00} leaving {$100.00} balance ). A week later I followed up as I was concerned I had heard nothing back, only to be told the case was closed and I had to pay. To add insult to injury, I discovered that more interest was charged on interest. I asked the agent why they didn't send anything in writing to this effect and he could not give any reason, he only repeated that I to pay. 
OnXX/XX/XXXX. I wrote a second letter to Ms. XXXX. And again, I only received a generic acknowledgement. I suspect nothing will be done, hence my reason for this complaint. I see a pattern here, poor customer service and inability to communicate in writing and clearly. 
Thank you for your services.

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 2022-01-26
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About a month from today ( XX/XX/XXXX ) I got a call in the morning regarding a debt from XXXX that I had supposedly accumulated over time. I 've never had a phone bill in my name. I 've always been under my parents because I 'm still a broke XXXX XXXX. The person over the phone asked my for my name, birthday, and full social security number. I told him all my info until he asked for my social. Once I realized that the phone call seemed off, I was a little hesitant to give even the last 4 of my social. He tried to tell me the phone number that the account number was under and when I said I did n't recognize it, he essentially accused me of lying. When I refused to give my number, the man on the phones tone of voice and mannerism of speaking completely change. He started to threaten me with cops coming to my house and things of that nature. I ended up hanging up eventually and immediately called XXXX. The customer service representative told me that I had no outstanding bills and that they would never call if we owed money. After that day, I did n't think much of it and went on with my life. Fast-forward to present day, I get a letter from a company ( Receivables Performance Management LLC ) saying that I owe XXXX {$5300.00}. I 've never had a XXXX account either. The letter states that they are willing to accept 60 % of the totally about due as settlement in full and they are not obligated to renew this offer. The notice date is for XX/XX/XXXX and they want the payment of {$3200.00} to be received on or before XX/XX/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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I 'm trying to use active hours to get a advance and Bank of America is making it to where I cant. I 'm in a emergency situation.

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 2022-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 an 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 explanation
Consumer complaint received 2022-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last XXXX I received a wire transfer of XXXX that was transferred to XXXX XXXX for XXXX reasons. XX/XX/XXXX Bank of America closed my accout and XXXX XXXX returned the money back to Bank Of America and a year later they still won't return the XXXX and have made several different claims on why which has proven to be fakse. Bank of America refuses to give me my XXXX and XXXX from last XXXX. Bank of America claims XXXX XXXX that XXXX XXXX never returned the money tothem, whichis false on XX/XX/XXXX I received a XXXX check sent by UPS proven by the documents attached to this form. Further XXXX XXXX returned the money to them on XX/XX/XXXX which shows that Bank of America statement is false again Bank of America is going to answer back that the funds were available at a financial center even though I received a letter fromthem statingthat the funds would not be returned to me. They also claimthat XX/XX/XXXX I went to XXXX XXXX XXXX and purchased a cashiers check in the amount of XXXX, why would I purchase a cashiers check for XXXX and not for the whole amount and how can I purchase a cashiers check in XXXX but received one in XXXX thru UPS, even the proposed form was blacked out in key parts and the check says purchased by Bank Of America plus I have never stepped one foot in XXXX because it's over 200Milesfrom my home andthereare much closer Financial centers near me. It proves that they have stated false and Fabricated information for their own mistakes. During this whole process, I have yet been able to get a hold of anybody in Bank of America to discuss these things bytelephoneor email. My calls are forwarded to a voice mailbox and never returned .They have avoided all forms ofcommunication except when a complaint is filed, then they send a letter stating false information and have changed there story several times to accommodate them.

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 2022-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: IQOR US INC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Former XXXX XXXX Customer, Fired them in XXXX 2014. I returned all equipment in their provided box and paid all bills. I had no contract with them. About 9 months ago collections agencies started putting {$160.00} on my credit bureaus as unpaid. I have opened a complaint with my State Attorney Generals office as well. I owe XXXX Nothing all accounts are paid in full. They have now switched to the XXXX debt collector Allied to ding my credit with which I will fight but they just continue their fraudulent practices.

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 2020-01-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I borrowed {$1500.00} from XXXX XXXX for my XXXX   XXXX on XXXX XXXX XXXX. By XXXX of XXXX I owed {$600.00} in principal but was charged {$270.00} for interest bringing my balance to {$880.00}. Thats almost 50 % of what I owed. Around this time I had to move out of my home temporarily due to the fires in XXXX County and the smoke affecting my XXXX and XXXX so I couldnt make this complaint at the time and since then have been just trying to survive but making payments for all of XXXX and XXXX but this companys policies are so unfair to the consumer specially someone like me who had to relocate because of the fires  and now pay double the rent I was before and have a lesser paying job so cant make any big payments any more but 2 years of making payments has not put a dent in this debt. 
My statement ( attached ) shows that I paid {$480.00} of only interest in XXXX. 
My statement ( attached ) shows that I paid {$200.00} of interest in XXXX. 
So in the past 2 years Ive paid a total of {$690.00} in interest alone and more in payments for an original balance of {$600.00} and I still owe this company {$670.00}. 
This is taking advantage of a consumers situation and unfair business practice. The interest rate for this XXXX XXXX card that advertises to be interest free XXXX XXXX is 28.49 %. 
Also XXXX XXXX cards set the minimum payments to an amount that pays off the original borrowed amount during the interest free period. XXXX  did not do that therefore misleading me into an unpaid balance at the end of this period. Thats not customary of XXXX XXXX cards. I have other cards and have paid them off completely but seems like the situation with this one is a set up for collecting huge never ending interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a Citi Checking and a Citi DoubleCash ( credit card ). I instructed Citi DoubleCash to pay off my credit card using my Citi Checking on X/XX/2017. Citi DoubleCash informed me that it withdrew the funds from Citi Checking on X/XX/2017 ( Citi rep confirmed it in a written chat conversation on XX/XX/XXXX ). However, on X/XX/2017 my Citi Checking did not show that the transaction took place on XXXX/XXXX/XXXX ( also it did not show that that the transaction was " pending '' / " in progress '' / " scheduled '' ). When on X/XX/2017 I asked a Citi Checking rep, how much money I had on the account, she  stated that it was {$11000.00} ( which did not reflect the {$4000.00} payment that was already transferred to my Citi DoubleCash a day earlier ).
I asked the rep what would happen if I relied on the information provided to me by Citi Checking that on XX/XX/XXXX I had {$11000.00}. What if on X/XX/2017 I withdrew {$8000.00} from the account, and a few days later Citi Checking informed me that at the time of withdrawing {$8000.00} I had not {$11000.00} but {$7000.00} on my account because Citi DoubleCash withdrew {$4000.00} on X/XX/2017. The rep  informed me that I would be charged an overdraft fee and that the fee would not be waived.

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 2022-06-12
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 XXXX. XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, ACCT # unknown, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX, acct # 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 A. Section 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 2022-06-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am having issues depositing money from XXXX XXXX an online tutoring website because my pay pal has limited my account without any issue or me having any violation of the policy. PayPal only indicated that there is a potential risk involve with my account without specifically stating which risk it is. I have tried contacting PayPal in vain and that is the reason I am contacting you regarding the issue. Please raise a complain with Pay pal to remove limitation with my PayPal account so that I continue receiving payments from XXXX XXXX. My PayPal email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I checked my credit reports and seen unverified, inaccurate and erroneous items on there. This is effecting my chances of getting a home. I contacted the companies by sending a 609 letter to verify these items that are reporting and never got any verification.

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 2022-01-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
We had the exact same scam but we lost over {$3.00} XXXX in total. 

We are operating on XXXX XXXX and he has a browser in it to use dapps he is a listed company and is also regulated by the US government I don't know why he can allow fraudulent links to use on his platform this is his Vulnerability and now many people have been victimized. 

My friend was in the UK and then I was in XXXX and we were defrauded of {>= $1,000,000} in total. I'm pretty sure there must be XXXX people in this scam group because their customer service can speak XXXX. His authenticated link appears on his trading platform and his own link has no way of being on it. 

I hope you can work with the FBI or the Coinbase platform to help us get back the lost funds, or I think Coinbase needs to be responsible for this bug because it's really his bug 1. My first money of over {$250000.00} was transferred on XX/XX/2021 2.They moved all the money from my wallet because of the smart contract 3. XXXX This address is where this XXXX was transferred Later, their fake customer service gave me another XXXX because they said they needed to be forced to pledge. 

XXXX XXXX I transferred more than XXXX and XXXX to these two addresses respectively, but they did not show in the wallet records because he said that we need to apply for an exclusive channel and then gave us the address directly. But others took it back, so I can't see it now. 

Currently my own account has almost XXXX in it my friend 's account he will submit to you himself. 

Below I also attach the conversation with their fake customer service with me. 
I'm in XXXX and I'm pretty sure their main location is in the US so would like to ask you to work with the FBI and help us recover the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: AES/PHEAA
State: AP
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Fedloan Servicing : Refusal to process Income-Driven Repayment ( IDR ) and Arbitrary " Administrative Forbearance '' XXXX - XXXX/XXXX/2016 for Account # : XXXX. 
Loan Program ( s ) : XXXX, XXXX, XXXX. 
Additionally refusing me consider for Loan Forgiveness although I work for XXXX. In addition to the XXXX programs. 
All letters reference below can be provided. 
~I have provided Fedloan Servicing with the information that they requested - consistently. And, every time you receive the information from me you come up with yet something else that you say is needed referenced by letter from Fedloan dated XXXX XXXX, 2016. 
~I qualify for the " IDR '' and Loan Forgiveness as well but you have denied me this right again ; reference by letter from Fedloan Servicing dated XXXX XXXX, 2016. 
~Fedloan has place me in " Administrative Forbearance '' that I did not request which will cause me eventually to owe more ; reference by letter from Fedloan dated XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Army and Air Force Exchange Service
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2021-10-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALL DOCUMENTATION FROM AMERICAN HOME MORTGAGE SERVICING FROM XXXXTHERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX XXXX, XXXX GA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THECURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WEREOBTAININGFRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION.. MY SPOUSE FILED ALLFRADULUENT ACTIVITY IN THE US BRC OF NORTHERN GEORGIA IN ORDER TO OBTAIN AN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT 18-55697LRC.THE ATTORNEY IS ALLEGELY SERVING 15 YEARS, XXXX XXXX. MY SPOUSE FILED A LAWSUIT IN THE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WEWERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANT AMOUNT OF MONEY HOWEVER, IT APPEARS HE IS STALLING AND WILL NOT RESPONDTO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE. WE HAVE NO CHOOSE BUT, TO EXPOSE EVERYONE AND ALL DOCUMENTATION WILL BE SENT.

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 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have been written : " serious delinquency '' Proportion of balances to credit limits on Bank accounts is to high Time since delinquency is too recent or unknown Lack of recent installment loan 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 explanation