BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XXXX I purchased an item from a third party in XXXX XXXX XXXX XXXX XXXX -using Paypal as the method of payment. The product was 2 folding chairs for {$39.00} shipping included : " Premium  Portable Camping Folding Lawn Chairs with Canopy - COVERED HIGH-GRADE PORTABLE CAMPING FOLDING LAWN BAG WITH CANOPY Premium Portable Camping Folding Lawn Chairs with Canopy - COVERED HIGH-GRADE PORTABLE CAMPING FOLDING LAWN BAG WITH CANOPY '' I used Paypal principally because of their promise : https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security? gclid=Cj0KCQjwhIP6BRCMARIsALu9Lflux312aVeeEiH1HrvqZzWfMit5UMl10qlz2O9ac-Q7MryMFJDrNtAaAlhOEALw_wcB & gclsrc=aw.ds " 1. You were charged for something you didn't purchase.

2. Your order never arrives. 

3. Your order arrives, but it's significantly different than it was described. " I never received the product so I filed a dispute with Paypal ( # 2 ) on XX/XX/XXXX for a return of my money. Paypal responded via email that they would have a decision within a few weeks. On XXXX.20 I received a small little packet with two blue carry bags - that's it. The packet didn't say where or who it was from so I had no idea what i was only that I did not order it. Lo and behold - on XXXX.20 Paypal wrote to me saying my dispute was " case closed '' as I had now received shipment. It appears the mystery bag I received is from the same company in XXXX. With Paypal there was and is no other option to reopen the dispute on the grounds that I did not receive the product ( # 3 ) in question. They do not answer the phones, they do not have an email - only text and the text is a robot that basically tells you what you already know about your account. It appears that Paypal is deliberately set up to avoid any phone calls so that they do not have to honor their promise and if they do not honor their promises, this is not only misleading but are complicit in fraud with these international companies. Furthermore, a quick XXXX search will show that this has happened to other persons as well : https : //www.paypal-community.com/t5/Protection-des-Achats/Is-XXXXXXXX-scam/td-p/2022702 and https : //www.paypal-community.com/t5/Disputes-and-Limitations/Scam-Really-cant-back-money/td-p/1938161 and finally .http : //www.corporate-office-headquarters.com/paypal. There are plenty others as well. Logically one can infer that if this is an ongoing issue with these fraudulent companies and Paypal is not honoring their promise - they too are complicit and abetting these fraudulent companies. A such I would like the CFPB to look into these misleading and fraudulent practices of Paypal. Attached are photos of the product I received instead of my canopy chairs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
I have an auto loan from BANK OF AMERICA, N.A., and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA, N.A. and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, BANK OF AMERICA, N.A. has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and BANK OF AMERICA, N.A. with no successful resolution.XXXX XXXX  and XXXX reporting me 30 days late. There was an error on their part. I was never 30 days late three times.

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 2020-03-12
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
Equifax is taking forever to dispute ... ... ... over two months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
On XXXX, XXXX, 2022 I received 2 notifications about hard inquiries into my credit file. One was from JPMCB, and the other was from XXXX. Ive placed all credit bureaus accounts on freeze and also placed an alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my TransUnion credit report I have two creditors reporting the same account. The original creditor is XXXX XXXX XXXX  who sold the account to XXXX XXXX XXXX. Now I have this same account reporting negatively on my credit report twice.I disputed this earlier in XX/XX/2020. I called them today XX/XX/2020 and they resolved the dispute as correct as if the creditor who no longer owns this account can report this account as collections. Now I have the same account in collections twice, I resubmitted the dispute questioning the authority of XXXX XXXX XXXX  to collect this account, since they dont own this account they should be removed from my credit report. I called XXXX  XXXX XXXX  and they said that they are not reporting this account because they no longer own the account. I am at the middle of the two companies and my credit is hurt from this. I will pay the current creditor but the old creditor needs to be removed from my credit report. TransUnion is overlooking the dispute and is just calling XXXX  XXXX to verify the account as accurate, not verifiable as this account is no longer owned by them but by XXXX XXXX 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 2017-03-08
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
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: Personal information incorrect

Complaint:
On 2 previous occasions, I have tried to get Experian Credit bureau to report accurate information on their credit reports regarding my name and address. This will be the third and last attempt for them to get it right. Experian has a negative history reported on the Internet regarding falsely reporting of consumer credit report information and I do not want to be their next victim.

I want them to remove past residence addresses, phone numbers etc. Since I don't live at these addresses anymore the USPS can not deliver that mail to me. And they are not reportable as per the FCRA. Since they are inaccurate. Enclosing information. Also both XXXX and XXXX have received information from a creditor regarding a negative dispute date for FCRA required removal of a specific item. Both XXXX and XXXX have removed this negative item from their reports, Experian acts like it doesn't exist. It The item has yet to be removed.

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 2022-03-21
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
On XXXX, XXXX, 2022 I received 2 notifications about hard inquiries into my credit file. One was from XXXX, and the other was from Discover. Ive placed all credit bureaus accounts on freeze and also placed an alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22
Company: MIDCOUNTRY FINANCIAL CORP
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
There are several issues : ( XXXX ) The creditor has reported Balance and Past Due on the account of {$1600.00} every month since XX/XX/XXXX, but it turns out the actual Balance and Past Due amounts were {$2600.00} as of XX/XX/XXXX 
( XXXX XXXX The account was charged off in about XX/XX/XXXX, but duplicate charge off codes were reported every month ever since. The duplicate charge of status codes are the reason I was denied a student loan on XX/XX/XXXX ( account looks like it is very recently charged off ), and I believe this qualifies as credit report poisoning. 
( XXXX ) I settled the account in full on XX/XX/XXXX. On XX/XX/XXXX I called Pioneer, and they said " And you said you want a paid letter? ", " Okay, I can get it mailed out for you '', and " I 'm going to get it going, you will get it today, okay? '' ( by email ), but I never received the requested Settled-in-Full letter from Pioneer as promised. On XX/XX/XXXX, I have disputed the inaccurate information on my XXXX credit report, and on XX/XX/XXXX, Pioneer has reported all inaccurate information as verified. In particular, on XX/XX/XXXX, Pioneer reported the account as Charged Off ( correct status Settled-in-Full ), Balance Amount {$1600.00} ( old correct balance {$2600.00}, correct balance as of XX/XX/XXXX {$0.00} ), and Amount Past Due {$1600.00} ( old correct amount past due {$2600.00}, correct amount past due as of XX/XX/XXXX {$0.00} ). Thus, Pioneer has explicitly and intentionally provided false information on XX/XX/XXXX in response to my dispute. 
( XXXX ) Furthermore, I believe that the account had been closed when it was charged off in about XX/XX/XXXX, but it continues to be reported as open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 {$14000.00} also Account XXXX XXXX  {$18000.00} also Account XXXX XXXX {$16000.00}, 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 2016-08-29
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan for a mobile home with Vanderbilt Mortgage. In XXXX 2014, about {$5000.00} were added on my billing statement as " service fees. '' I have no idea why this was added or what it was for. Despite me paying my regular monthly payment each month, this {$5000.00} shows up as a past due amount. I have never been given an explanation for the {$5000.00}, despite my attempts to communicate with Vanderbilt. I have attached my billing statements, a letter I wrote to Vanderbilt and a letter that New Mexico XXXX wrote. Vanderbilt has not responded to any letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we have tried for a home modification for almost 6 years. we kept getting the run around. they gave us a court date the judge said we had to be out in two months. we found a place to rent. a week before the forclosure. the bank said try again for a modification. then they said we ca n't help you. you left the house. we did what the judge said. we checked on the house everyday. just another run around. the reason we asked for the modification my husband got sick and had to go on XXXX. we could not make the high payments anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive been locked out of my cashapp account with {$560.00} since XX/XX/XXXX with more than 5 email attempts at contact to unlock. I verified my account. Still no reply. I unlinked my bank account then re linked it with no success. No actions have been made by cashapp to help help my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: MI
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 car got was in an accident and was destroyed. XXXX  sent me a bill with a date of XX/XX/2020 ). I paid online through my bank on XX/XX/2020. Prior to receiving my payment, and not even a month after sending the bill they put it as a " charge off ''. They sent a notice saying I was paid in full but did not retract the charge off and it has destroyed my credit. I tried fixing this with XXXX  and Equifax and am getting nowhere. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX at XXXX am p.s.t.. I received a call from a XXXX number. My phone ID it a scam call. They left a message that a failure to return the call will result noted as a forfeiture of my rights. It was also stated that this was a call to order legal representation and to notify a local county processer if I did not respond. The number they gave to call back is XXXX to speak to the next available agent. I called the number and the same person who left the message with no name answered the phone. She never confirmed any information of who I was other than the phone number they called and a name. She put me on hold, the call dropped. She called back from XXXX then when she came back on the line stated that they were call on an old Capitol One account that they go from another party not the original creditor. No MINI-MIRANDA WAS GIVEN. I guess since the debt was old. I asked her for the date of last payment, she could not confirm and said that the account went past due some time in XXXX. So I asked for a letter from her company and she refused to send one saying that letters have been sent. Told her no letter of been sent from any collections agency 's regarding this debt or any phone calls either in many years other than the original creditor. She then procced to threaten legal action and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Upon logging into my FedLoan Servicing portal on XX/XX/XXXX, there was a statement which reads " Income-Driven Repayment ( IDR ) Expired We received your IDR request.At this point, we will notify you if your request is put on hold or if any additonal documentation is needed.At this point, we will notify you of the outcome of your IDR request. We received your application for an IDR plan 90 days ago. We needed additional information from you to fully process your request. Since it has been 3 months, your request has expired. We did not get all of the documentation to process your recertification request, therefore your payment amount may have increased. '' I did not file an application for an IDR plan exactly 90 days ago. My last IDR application was made in early XXXX and approved on XX/XX/XXXX for payments through XX/XX/XXXX. As such, my IDR plan under PAYE should still be valid. At this point in time, I intend to remain under the CARES Act/Presidential executive order COVID-related payment suspensions and while I do not intend to make payments now as a result, should the COVID-related payment suspensions end ( which is currently scheduled for XX/XX/XXXX ), I should be entitled to make payments of {$220.00} per month through XX/XX/XXXX ( instead of payments of XXXX per month as if I had no valid IDR application ). 

As such, based on the current regulations, I should be entitled to pay the following : XX/XX/XXXX - {$0.00} ( CARES Act COVID-related payment suspension ) XX/XX/XXXX - {$0.00} ( COVID-related payment suspension in accordance with Presidential Memorandum ) XX/XX/XXXX - {$0.00} ( COVID-related payment suspension in accordance with Presidential Memorandum ) XX/XX/XXXX - {$0.00} ( COVID-related payment suspension in accordance with Presidential Memorandum ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) Additionally, given that I am currently on a PAYE IDR plan and the CARES Act and Presidential Memorandum currently allow for COVID-related payment suspensions to count towards PSLF, should my ECFs reflect that I continue to remain employed through XX/XX/XXXX at an eligible employer, all months between XX/XX/XXXX and XX/XX/XXXX should count towards PSLF while on COVID-related payment suspensions once my updated ECF is submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: M&T BANK CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I cosigned for an auto loan with M & T Bank with my brother XXXX XXXX. After he got his statement in the mail, he called in to set up auto bill pay. After that, they did not send any confirmation about scheduled payments so we thought we were all set. A few weeks later, I got a call that the account was past due. My brother called in to make a payment over the phone, they told him the auto payment was having issues because of XXXX. So, my brother made a payment using Routing/Acct # over the phone. He then called XXXX and they said there were no issues on their end as far as auto bill pay goes. Then, weeks later, I got a notice from XXXX XXXX that my score went down due to a late payment on the account. At this point, no payment had posted. The customer service told us the autopay had failed and the phone payment failed and told us to contact XXXX again. They claimed the issue was not on their end. At this point, both myself and my brother had our credit scores drop substantially. That Monday, my brother made a cash payment of {$1000.00} at the branch. A month later, for the next payment, he called in and tried making a phone payment with Account and Routing # 's and once again it did not post. According to the statement from M & T mailed to us, the payments posted but then there was something called a " Payment Reversal. '' I went online to try to pay the bill that way. I created an online portal for M & T and then when I tried to pay the bill, it told me I needed a M & T Bank checking account in order to do online bill pay. I went ahead and created one, but then my only option for transferring funds to it was to make a deposit at a branch or do a debit card deposit which had a limit of {$250.00}. There was no way to transfer funds from one account to the other. This means, my only option would be to deposit a check or cash in person at the branch. In essence, M & T Bank forces you to open a whole new checking account with them to make payments. I looked online and on Consumer Affairs there are many people with the same story as me. M & T Bank purposefully makes it nearly impossible to make payments unless you have a Checking account with them. Even if you do have one, you can only add funds through a branch deposit or debit card with a {$250.00} limit. I strongly believe M & T Bank lied to us about the payments not going through and it was done on purpose to force us into opening another account with them. This led us to ultimately refinancing, however my credit score is now in the low 600 's so I had to have someone else cosign for my brother. M & T Bank did not process our payments correctly numerous times, and now my brother and I have bad credit.

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 2015-11-14
Company: DISCOVER BANK
State: NH
Product: Credit card
Issue: Advertising and marketing

Complaint:
Discover Card advertised to customers that they would provide a 10 % cashback if consumers added their cards to XXXX and used it through the end of 2015. They did not list any exclusions on products that could be purchased in the terms that were provided to customers, but are now claiming that they are excluding gift cards and are refusing to honor the original terms that they provided. Even after emailing Discover Card to ask them to honor the original terms, giving them an opportunity to correct this blatant false advertising and deception of customers, they refused. 

These were the original terms : '' Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. " Discover, after the effective date of this offer, and without contacting customers, changed their website to a different set of terms to add this exclusion after having promoted the original ones : '' Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. ''

Company response to consumer: Closed with monetary relief