BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
A customer initiated a chargeback through their credit card company and Paypal, they gave the customer a full refund without them returning the items. On XXXX XXXX 2016 our company installed a split A/C system at the customers house, the items are as follow : XXXX XXXX : XXXX C/U serial : XXXX A/H model : XXXX A/H serial : XXXX Heat model : XXXX Heat XXXX The item came with 10 year labor and parts warranty and passed all necessary city inspections. After almost 6 months, on XXXX XXXX 2016, the customer initiated a chargeback through Paypal and the credit company, citing defective merchandise. Even though the items have a 10 year labor and parts warranty, we agreed to issue a refund if they returned the items. Even agreeing to pick them up for free. On XXXX XXXX 2016, the chargeback was ruled in favor of the customer, and there was no stipulation of returning the item. So the customer got the money back, which was {$4000.00}, and does not have to return it. This has happened over 3 times between us and Paypal. Where customers have initiated a chargeback, and Paypal claims to have fought in our favor with the credit card companies. In each instance the credit card companies ruled in favor of the customers and they all got to keep the items. We filed extensive paperwork with Paypal showing each step of the process between us and the customer. Our complaint is against Paypal and how they handle their chargebacks. Since we are basically having our A/C systems given out free when the customers do not have to return them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Fraudulent charges on my PayPal account were being deducted from my bank account. Submitted disputes to PayPal and they are denying the case as they claim the charges are not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
10 years ago I had signed up for a protection plan which appears as " XXXX '' on my bill. I was under the impression based on the documentation that Best Buy provided that the protection plan was specifically for THAT purchase, and I come to find out in the course of calling about a random {$35.00} charge on my account ( years later ) that it was for ALL purchases and it's be on-going since 2011. 

I asked if BestBuy is required to re-verify the enrollment in protection plan annually or report the annual total charges for the protection plan, and they said no. I asked can I please have a refund for services I never used? They said no. I did ask for them to refund the most recent charge, which I think they will. But I have no way to know how much they have charged me over 10 years, so here I am. 

I guess this boils down to, I feel like they misrepresented the protection plan. I thought it was for one purchase 10 years ago, and they've been charging me for it for 10 years on any month I carried a balance ( promotional 0 % or not, it didn't matter ). I feel like the most I can get out of this is reporting this practice to the CFPB so that it can be monitored and/or rectified through regulation... or I can inform folks of something they might want to check out on their own accounts, to see if they're being charged for a protection plan they forgot about or thought was specific to ONE purchase ( when it isn't ).

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 2016-05-05
Company: Accounts Management, Inc
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted XXXX to get information on what debt they are collecting on. When I asked for them to send me whose debt they were collecting on - myself, my husband, or my son, and who they were collecting for and the amounts each they refused because they said they had already mailed that information out. They are trying to collect on medical bills through a small claims lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to explore my options post forbearance with Loancare & every representative I speak to gives me contrary advice to the other representative. I have had issues with them for months now. Each time I had asked for more time, one grants me an extension on the forbearance and the other denies the expiration date. More recently I had a call with a representative by the name of XXXX ( call recorded ). He advised I had until XXXX/XXXX/2021 until my forbearance expired. I then get correspondence in the mail that contradicts that and states my expiration was XXXX/XXXX/2021. XXXX advised I was to call before expiration to explore my options post for XXXX. He advised that I could either defer my loan or modify the loan. When I called earlier this week I spoke to an individual by the name of XXXX Who advised that the deferment option was no longer available because of the amount of the loan. I asked her about the expiration date and she advised that my forbearance expired XX/XX/XXXX. I told her what XXXX  have advised me. She apologized and said that he gave me wrong information and that because of that I lost the option to defer. She advised that the only option I had was to modify. I told her that is not fair because of his misinformation, I was deprived of the deferment option. She said she would send it to another representative to escalate and take a look at the file. She advised that the representative would contact me sometime this week. I havent heard from anyone and currently on the phone again with a representative. The first one got my information while I waited on hold and hung up on me. I called again and immediately asked for a loss mitigation specialist. I am now on hold waiting for someone to take the call. However I have lost faith in any communication this company gives me and it is my livelihood on the line. I do not want to rely on any information they give me because I dont know if its going to be accurate or not. Because of them, I may go into default despite the fact that I have been diligent in monitoring every communication and every expiration date. I need you all to intervene so that I can get a resolution to my situation. The reason I want to defer is because I want to preserve my option to apply for a mortgage assistance grant through my state. The plan in California states that if you get a modification from the lender, you will no longer be eligible for the grant. That is why I dont want to do a modification at this time. I explained all of this to the representatives at Loancare.

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 2016-12-14
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was in a Contract with XXXX when i decided to take XXXX offer to buyout my contract. I gave XXXX my XXXX phone and received my new XXXX activated phone. I followed the directions of paying my last bill. After paying my last bill i was to bring in a bill to XXXX of how much I owed to XXXX for the phone ( {$540.00} ), which i did bring in this bill. After i brought the bill in the bill and other paperwork was immediately faxed to a XXXX agency responsible for paying that bill. Two and a half months have went by and I start to get calls and and a letter from " Credence XXXX. '' I went in and talked to XXXX and they said that the company responsible for paying XXXX bill had, for no reason stated, not done any further action towards paying thus bill. XXXX employees stated that their company responsible for paying my contract switch bill would send me a credit card in the mail to pay it with, i have not received any such mail from XXXX or their company regarding this issue. I gave them my phone which is the reason for the bill i do not have the XXXX phone anymore. I tried contacting the Credence company and they insist that I immediately pay the bill that I should n't owe. I 've read that Credence is a Scam company.

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 2016-12-13
Company: Commercial Acceptance Company
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am writing this to dispute a collection with CAC XXXX x XXXX with XXXX bank XXXX for {$1900.00}. mid XX/XX/2016 I received a notice for the XXXX time with a name of XXXX as the rep. on XXXX I wrote to them disputing this debt. I have in interim received many calls and I have made return calls to this rep w/ no response. Today, XX/XX/2016 I learn they put this on my credit on XX/XX/2016 BEFORE I WAS NOTIFIED! This is against credit laws and I am writing to all agencies.They violated my rights in debt collection and credit reporting. 
Please investigate to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Blackrock Mitigation Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Impersonates as a 'Marshall '' as in a law enforcement officer. leaves very threatening voicemails which you are not supposed to leave personal information on a voicemail since you could be compromising someone 's privacy. Falsely claim that there is a court case and that I will be arrested unless I pay today, etc., which of course there is no court case and all claims are false. I have repeatedly told them to stop calling and they refuse and insult me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: FL
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:
Experian and XXXX 15 USC 1692 K and 15 USC 1640 Civil liability 15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.

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 2016-04-19
Company: I.C. System, Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a collection on my report that does n't belong. I called them to let them know that I paid that collection off with another agency. I have a letter from the company that I paid off.

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 2021-12-17
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm disputing a mortgage loan # XXXX, in which I have been denied for a loan modification after being in a Forbearance plan offer by Cooper when Covid 19 pandemic started. I have been placed into the Forbearance plan since XX/XX/2020 in which Cooper extended for 18 months this program claiming that I was going to received a solution. Now I have received a denial letter stating I have to reinstate my loan or else they will proceed with reporting my credit report that I am in delinquency and proceed for foreclosure process. First I want to start from the beginning when all this financial hardship started. When the government announce that we were under the Covid 19 Pandemic and that everybody had to stay at home obligated as a Government mandatory Shut down. This cause me to be into a burden hardship because I was able to work and with this also my tenants when thru the same situation were they couldn't pay me rent. This cause me to get delinquent with Mr. Cooper and they promise me a solution by placing into the Forbearance in the meantime government were going to come out with a solution. Now they are stating on the denial letter the reason of why I have been denied Insufficient Monthly payment reduction in which I never requested any reduction I only request a Deferral of all payments in which I was not responsible for what happen with the Pandemic. I was never late on my mortgage payments since the last recession of XXXXI am requesting for help to save my property I willing to accept any solution to keep my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: CO
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: Problem getting your free annual credit report

Complaint:
Equifax has denied me access to my credit report both online and via the phone, with proper identification. 

They also had access to personal materials, and a personal phone went off during my call. This is unacceptable and a violation to my personal data protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
We paid for a one-time credit score from Experian and were signed up for a recurring service without our knowledge. Our account numbers are XXXX and XXXX. We are asking for a refund of all charges ( two months have not been refunded at this time ) which are {$19.00} for two months for XXXX people - approximately {$80.00} total.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Chime Financial Inc
State: LA
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:
XXXX dispute filed on XX/XX/XXXX -Claim number XXXX Ticket XXXX Submitted two screenshots of purchase history going back three months of no purchases of any amount close or within the timeline of XXXX. This it the third dispute this bank stole funds out my account. When requested documents for proof form vendor. I requested a rebuttal and thus far have been provided no evidence of purchase, this is fraud and I am attempting to go through the vendor. For relief, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from National Credit Adjusters concern a debt with speedy cash. I'm not aware of any debt with the company, nor did the stated SSN belong to me. I'm requesting immediate removal from my credit report due to erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
After a major robbery and idenitity theft issue USAA BANK decided to hurt our lives more and keep all our money in our savings account and committ a huge embezzlement and fraud issue. USAA BANK has committed several upon several banking and credit card and bad faith insurance issues and XXXX our lives and destroyed my career and laughed at me and said to bad your not military and that you are XXXX to me. They were very mean. Before this my life was going so well. They XXXX me. I have nothing left and can not get my life together cause as of today they still are hurting my life. They stole over {$15000.00} from savings account and well over {$12000.00} in checking, refused to pay out over {$75000.00} promised in other issues that caused well over {$150000.00} more out of our pockets, made me spend over 20 hours for 4 years to do paperwork then to only laugh and say we are not paying you. CEO XXXX told me he did not care about me or my life. Very scary stuff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was looking to purchase a second hand XXXX for my girlfriends birthday, and came across many on XXXX XXXX. There were some individuals on there that raised my suspicion of potential fraud, however found a reasonable offer by XXXX XXXX that seemed trustworthy and had already sold an XXXX not long ago. Initially, I was planning on picking up the XXXX is person, but forgot to on saturday which opened the door to another customer. I spoke to XXXX via XXXX on Sunday XXXX and agreed to give a deposit of XXXX to hold the XXXX for me, so that I can pick it up the next day. I was given a rather trustworthy address and his mobile number - XXXX XXXX XXXX, XXXX XXXX, XXXX. I then send the original XXXX deposit to his friends PayPal account ( As his is not working ) ; XXXX and was told that it was received. Then I was asked if i would like to pay for the rest via PayPal to make picking it up easier the next day, and also avoid cash in these covid times, so I agreed. Once I sent it, he went to check with his mate and told me that his mate accidentally refunded the amount and will take 1-3 days for it to come back into my account. I gave it a day and no update on my PayPal, so I got in touch with PayPal and was told there is no visible refund being processed under my account on PayPal, and was advised that the individual has not pressed the refund button. I have now sent the initial XXXX deposit plus XXXX ( Totalling XXXX ), and have not received the XXXX XXXX XXXX XXXX. I am a current student at XXXX XXXX XXXX University XXXX and would very much apprecaite all the help you guys can offer in catching these scammers, robbing people off their money. 

Response from My Bank ( XXXX XXXX ) : The transaction that was made, was successful in reaching its intended destination, As the transaction was made through Paypal friends and family, this is a transfer of the funds to an account held by the individual involved. 
We have no valid chargeback rights to reclaim the funds through XXXX, as the service of transferring the funds was successful. 
Making a transaction of this nature for specific goods/services is made at your own risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. 
Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when I have contacted the creditors and the creditors have no account. 
Furthermore, they have no knowledge of me doing business with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: First Data Corporation
State: WV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I called Telecheck on Friday XX/XX/XXXX & spoke to XXXX. I explained that we had unplugged our XXXX machine at the close of business on XX/XX/XXXX. At that point we stopped processing check payments electronically the equipment had been returned & our lease had been cancelled & settled. 
I was advised to notify them by fax that I was cancelling our service. The statement I had received indicated that it covered the XX/XX/XXXX through the XX/XX/XXXX billing period. It showed that they intended to withdraw {$10.00} from my bank account on XX/XX/XXXX. Since their services were not utilized in this time frame, I respectfully requested that they cancel this transaction. They did not cancel the transaction and the charge went through for the XX/XX/XXXX cycle although their sevices were not used in XX/XX/XXXX. 
I then received an invoice for the period of XX/XX/XXXX-XX/XX/XXXX. I immediately called and spoke to XXXX. She explained that our cancellation, although submitted and received on XX/XX/XXXX, was not affective for thirty days from submission. She advised that our cancellation order was not applicable until XX/XX/XXXX. I explained to her that their services were not utilized during XX/XX/XXXX and that this is an unethical business practice. I advised that I would be reporting this practice to the Consumer Financial Protection Bureau for their investigation. I then contacted our bank and stopped the withdrawal for payment of this invoice. 
I have now received another invoice for XX/XX/XXXX-XX/XX/XXXX including additional fees. I have mailed a letter to Telecheck advising of what has transpired and that this invoice will not be paid. I have attached copies of the relevant correspondence.

Company response to consumer: Closed with monetary relief