BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hello, My name is XXXX XXXX, thank you for taking the time out of your day to read my complaint. Ever since I turned XXXX  years of age I have tried to make paypal account but every time I make it the account gets permanently closed. I have done nothing wrong along with the fact that I just turned 18 a lifetime ban from paypal is just not something I want because it's such a wonderful platform that I've patiently waited to use. I think that my parents had been banned before for something they did on XXXX and maybe the Address gets linked or something but I quite literally haven't ever had a paypal account before I turned XXXX. I tried using my main email XXXX and just about one day later the account got locked for permenant. Please review this I shouldn't suffer a lifetime ban from paypal for something I wasn't responsible for. I live with my parents but I am still a human being and their actions shouldn't reflect mine. I am responsible financially and have 3 credit cards. I would love to use paypal. Your assistance would be greatly appreciated in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made a significant deposit during the period to my account, which should have resulted in the monthly fee being waived. However I am being told since I withdrew part of it soon after that it does not qualify and I was charged a monthly fee ( on top of a variety of other fees I already had to pay this month for accessing and transferring the money ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In  XXXX  of  XXXX  I got my  XXXX   XXXX   XXXX  financed through Citez  ens One Auto Finance.
( 1 ) I received my first statement and then I never received one after that. The only way I could make my payments was online because any other way they charged, But that was the only thing I could do online, ( 2 ) the webs  ite did n't allow me to view any of my statements.   Each month, my payment due was  XXXX  I payed almost {$150.00} more than the payment due. When I called to see how much I owed on my loan, it just didnt seem to add up to what I had been paying.   When I started investigating this to see where all of my extra money was goin g ( thinking  it would automatically go to principle. ),  ( 3 ) they told me that all extra payments went half to interest and half to principle. I called multiple times to ask for a statement to be sent to me so I could see exactly where my money was going, since I could n't pull it up online. ( 4 ) It took four weeks for me to receive my statement in the mail. ( 5 ) I wa s told that they were not allowed to email it to me and it would be a  XXXX  charge if I wanted it faxed.   After being fed up with trying to contact them and receive information I went to my local credit union and started the process of refinancing my truck through them.   When I had to make my last payment through Citeze ns One Auto Finance, ( 6 ) I entered my account to find that now I was no longer a ble to pay  XXXX  and now I was ONLY able to pay  XXXX  and nothing less . ( 7 ) That me ans that changed my payment without consent from me, and also did n't give me an option to put my extra payment towards principle.   I lost over {$1300.00} with this company because I was under the impression that my extra payment went to principle when only half was going to principle, I was told that there was no way they could move it all back to principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Credit Karma, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Hello. I went on credit karma on XX/XX/22 and was told that if I applied for more credit it would be helpful to increase my credit score. Credit Karma is a free website to view your credit score and suggestion site to increase your score and monitor it. I looked at the the cards they suggested and the credit card, XXXX, was a card that had OUTSTANDING APPROVAL ODDS for me to apply for. Well, I was denied. Which had my credit score instantly drop XXXX points and XXXX points to each reporting agency that they give you information for. I am in the process of trying to sell my house and apply for a mortgage to build a home. But now with this hard inquiry on my credit report, which again I had OUTSTANDING APPROVAL ODDS for, I can not due any of this. My score dropped to XXXX and XXXX. I don't know what to do now. Yes, I applied but I would have not applied if I did not have such high approval odds. Can you help me? You can reach me at XXXX or email XXXX. This is a terrible situation to put to a consumer who is trying to rebuild their credit. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On  XXXX / XXXX / XXXX , I received a summ ons from my county fr om  XXXX   XXXX   XXXX ,  XXXX  that was filed against me to repay a loan for the amount of {$140000.00}. The loan was obtained and opened using my identity, without my knowledge or permission, on  XXXX / XXXX / XXXX . A  Wells Fargo  business checking and savings account was opened in California using my identity, without my knowledge or permission, utilizing fraudulent practices that intentionally overlooked the fact that I reside in South Carolina and had been a signer on another account for more than 20 years. Even though my identity was used to open  the Wells Fargo account s, my authority to be a signer was thus removed so that I would not be able to withdraw any funds. The aforementioned loan company disbursed the proceeds, by wire, into  the Wells Fargo  business checking account on  XXXX / XXXX / XXXX . Within 3 days, without imposing reasonable security restrictio ns, Wells Fargo 's team member ( s ) allowed more than {$98000.00} to be withdrawn. {$94000.00} was withdrawn in cash and more than {$3000.00} was taken through POS transactions. The cash withdrawals were allowed to be made within hours of each other. However, I am not sure if they were done at the same site or by the same Wells Fargo 's team member. I was invited into mediation with Wells Fargo and a third party mediator from   XXXX  on  XXXX / XXXX / XXXX . The mediation session ended with the mediator suggesting what he thought to be a fair monetary com pensation proposal. At that time, the amount was n't disclosed to me and I was informed that the Wells Fargo representative did n't have the clearance to give me the suggested amount, but another mediation session would be scheduled for the next week once clearance was given to conclude the matter. I requested to continue with the same mediator and in good faith agreed to continue a week later. I was contacted by another Wells Fargo representative two weeks later, told that no monetary offer was made, and no explanation was given of why the second promised mediation  session did n't take place.

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 2017-06-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On  XXXX   XXXX ,   XXXX  , I was checking my credit report and saw a hard inquiry from   XXXX    (    XXXX   XXXX   XXXX   XXXX   )  Last Reported by Equifax  XXXX   XXXX ,   XXXX  . I did not apply for a credit card from  XXXX  or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my credit score better and do not need companies do hard inquiries into my credit history without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  and Transunion showing I was late on 3 payment totaling 120 days from the Office Of The Attorney General of Texas XXXX XXXX Division which is inaccurate as I have never been late. I had my my phone interview about my case worker I sign the paperwork and they sent a notice to my employer to garnish my wages and the company complied. So I never had anything to do with sending payments as it came directly out of my check so I have been late. I have mail in a dispute letter to both XXXX  and Transunion with no reply on XX/XX/2019 and have yet to receive any correspondence back

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 2022-04-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have several accounts and Equifax says that they dont have a credit file for me. I have my XXXX and XXXX but Equifax says they dont have and credit file for me. Ive tried calling numerous of times. Ive mailed in documents to verify my identity and still cant get any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The hospital     XXXX   XXXX   XXXX   XXXX   erroneously billed me for procedure in the amount of {$1200.00} My son   XXXX   XXXX   XXXX   and  one  of the many doctors who saw him in ER was not an  XXXX  provider ... we had no idea about this at the time ... after several attempts to clarify with  XXXX  i then worked with  XXXX .  XXXX  reissued the explanation of benefits. In the interim,  XXXX  sent the bill to collection attorney  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I contacted them and informed them of the error and they made note in the file. I then received a notice in the mail from    XXXX   XXXX   XXXX   XXXX   XXXX    case #  XXXX  saying I needed to be in court. I was very worried and set up a conference call between the collection attorney and  XXXX .     A few weeks later i received revised explanation of benefits from  XXXX  saying the amount i actually owed was {$700.00}. Then i received another letter from collection attorney saying there was a "  one  time '' incentive program with the hospital and I owed {$370.00} which i immediately paid. However, my credit took a huge hit and it is still saying on reports that the claim is still open. How do i correct this misinformation? thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe Adstra recovery, Adstra recovery will not validate the debt, I have asked for the last 3 years, I have disputed with XXXX, they have come back that is is accurate, I asked XXXX to provide me the information that was given to them and they have not provided the information, I have also asked Adstra recovery to provide me the information, Adstra recovery has never provided any business or service to me, but they want to get money out of me, this is Fraud. 

Do I have to hire an attorney or a Credit repair company to remove this, if I do that it would be removed immediately, why is that? So is XXXX working with Adstra? 

Per the FDCPA Adstra recovery and XXXX are in violation Also just attempted to speak with a supervisor ( XXXX ) from XXXX, he was rude and said they would not remove it and I asked to explain to provide me with the info and he would not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I attempted to close my wells fargo account but Wells Fargo refused to close it. Ive been trying to close this account over a month. Wells Fargo also opened up accounts in my name without my consent. WF is opening up fraudulent accounts under my name. I called in over 100 times to fix this problem but its still happening. And WF stole money out of my account over 50 times and they never payed it back. I also asked WF not to contact me again and they keep contacting me over and over again!

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 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call from XXXX saying they were XXXX XXXX XXXX they also left messages with my husband, mother in law and niece. 

They said that we have a {$1700.00} debt with BofA from 2011 and if we didnt pay immediately they would sue us for {$3700.00}. We dont have an account with BofA XXXX We didnt even lived in the US in 2011. They keep calling and all the people we know leaving messages. 

How can I get rid of 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 2022-08-04
Company: Experian Information Solutions Inc.
State: OH
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:
I tried disputing this last time but I received mail from CFPB so Im gon na attach identity verification with this my problem is I havent applied for any credit Im XXXX XXXX XXXX I made a report with the FTC none of these inquiries are attached to any open accounts I didnt authorize any of these inquires. Ive sent experian, XXXX, and XXXX certified mail. This is messing with my lively hood.

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 2017-06-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  you have been informed several times to remove this and still will NOT what is the issue. I do not understand I WANT THIS REMOVED ATTACHED IS PROOF

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 2022-09-12
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My complaint It's about Target red card overcharges I have attachments for proof I put them in order to the best I could The 1st 8 Attachments are screenshots from my target record of purchase history From XX/XX/XXXX to XXXX of XXXX All my purchases add up to {$660.00} The last attachment is a statement that I got from my bank ( XXXX XXXX ) added up all my payments to target from XX/XX/XXXX until now which adds up to {$740.00} is how much I've paid plus {$30.00} payment made later that day XX/XX/XXXX which adds up too {$770.00} paid.. I spoke with customer services today ( XX/XX/XXXX ) and I explained to him about the charges so I asked him to give me the round amount of all the interest fees counted up from XXXX to now XXXX, he stated that it was a {$120.00} So I went over the figures with him several times and I added the {$120.00} to the ( All of my purchases total/ $ XXXX XXXX - XXXX ( subtracted ) is my whole payments amount to them totals {$15.00} they claim that my balance owed is {$280.00} so after the customer server kept trying to say its the Interest fees I asked to speak with his manager When he got the phone I explained to him the same thing the amount that I paid From XXXX until now I even broke it down to him that I wasn't purchasing anything every month there were 2 to 3 months in between my purchases but my payments were still made and I also deducted the interest fee so he even agreed that it came out that {$15.00} is the balance..But then he tells me that he can't hear me on the phone he kept saying hello hello but I could hear him, then he stated that " all he can do is credit me {$7.00} that's it I still have to pay the whole amount of the {$280.00} and hang up the phone.. Today was my 3rd attempt to settle this matter with Targets customer service reps and managers.. So that's why I'm putting in this complaint here today...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in Chapter  XXXX  when my loan was s old to Shellpoint.  At this time they tried to foreclose twice ( as I was in Chapter  XXXX  ).     Once I was out of Chapter  XXXX  I called for my loan amount and information and they refused to speak to me. My lawyer had to contact them and proceeded to tell me the amount, due date and where to send the payment to.     After 8 months I get a notice that I am behind in payments - when I checked my bank I noticed that they have n't cashed any checks. After numerous calls I find out that they increased my payment amount and I was never notified. Funny how then a week later all my checks were returned with letters stating they amount was not correct.     At this point I was {$5000.00} in default. I called and tried to work out a payment plan with no luck. I asked for a statement showing payment history and never received. I asked for exact amount and never received call back.     This has been going on for an additional 3 months so I am now way behind.     Also every 3 months they send a letter that I will owe them money for homeowner insurance - I send them copies of my policy then in 3 months another letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Approx imately 4 w eeks ago as of  XXXX / XXXX /  XXXX   I tried to update my Equifax credit score and report. I was unable to do so and received an error. I contacted the credit bureau to notify them of the problem they said they had the same problem and would initiate a high level inquiry and it would ta ke 7 to  10 days. I contacted Equifax on  XXXX / XXXX / XXXX  the same problem still exists still no resolution to my credit file. information from creditors and other credit bureaus is being reported erroneously from a date of  XXXX / XXXX / XXXX . I have since paid collections and credit card balances down which is not being reflected on the report or score. I am in the process of purchasing a new vehicle and this erronious information is impacting my ability to purchase a vehicle. I payforthis service  XXXX  a month this is not a free credit report issue. I was also told this because of a fraud alert from  XXXX  this not the issue I have not had any problem processing my credit report since  XXXX  until a month ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: DISCOVER BANK
State: AZ
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:
Discover card sent me an email about four or five months ago saying that if I sign up for automatic payment and after two automatic payments are processed from my checking account that I would get a {$40.00} statement credit. There has already been three automatic payments and has already been three months and I still have not seen the credit and when I call customer service they say they have no idea what Im talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are  XXXX  addressess I have never lived at and I have no idea who they pertain to, these addresses are  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  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 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion you have been informed several times to remove this and still will NOT what is the issue. I do not understand I WANT THIS REMOVED ATTACHED IS PROOF

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