BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, I believe that closing my account was a mistake. Im using paypal account for my online freelancing since XX/XX/2022. My account XXXX has XXXX XXXX stuck funds in it and I need to withdraw for my allowance and to pay my bills. Im hoping for your kind consideration Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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:
Someone got a hold to my personal information and attempted to get a vehicle. XXXX caught the incident and stopped it. 

I reported this to all bureaus due to the fact the let the person run my credit over 30 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX of 2008 at around XXXX i tried to withdraw {$400.00} from my Wells Fargo account at a Wells Fargo ATM located at XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX California XXXX. The ATM did not give me the money and the {$400.00} we're still debited from my account. I would have spoken to a banker at the moment but the bank was closed, so I went in the next business day only to be mistreated and called a " scammer '' and a " thief '' by the bank manager who didn't even give me a chance to talk to her about what had happened, a banker told her what I was there for. She told security to escort me out of the branch. On my own I figured I should call Wells Fargo customer support, I did but they needed a receipt of the transaction... and so it never got resolved.

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 2023-01-22
Company: Southwest Acceptance Finance Co
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: Problem with personal statement of dispute

Complaint:
Dear sir or madam, I notified XXXX credit report bureau regarding, why my car loan payment, was not being recorded no more and they advise me to notified my lender XXXX XXXX XXXX XXXX in XXXX XXXXAnd I did that, but after the dispute for some strange reason they deleted my file do to the dispute rended, my credit score fell by XXXX points even thou i ve being paying my car loan for the past 2 years on time and it was being recorded every month.Now my credit score fell to XXXX from XXXX, I never aspked the lender to delete my file, they accused me that my dispute cause them to delete my file very rude people, advise me to get a credit advisor .I 'm still making on time payments they refuse to reinstate my file need your help on this thanks

Company response to consumer: Untimely response
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi my name is XXXX XXXX. I have never done business with XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX. I have the right to demand and see the contract between XXXX and myself! Please send the proper validation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: T.S. Holdings
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I received a debt collection notice from IQ Data for a debt of {$91.00} supposedly owed to my former apartment, XXXX XXXX XXXX XXXX. On the same date, I spoke with XXXX XXXX via telephone, who stated that I was paid in full and the debt must have been sent to collections by mistake. We moved out of XXXX XXXX on XX/XX/2022, and were not notified of any outstanding balance. 
The {$91.00} fee is question was paid to XXXX XXXX on XX/XX/2022, the day we became aware of the charge in our online account, and before we received a bill for the charge. 

On XX/XX/2022, I requested a letter from XXXX XXXX stating that this debt was mistakenly sent to collections. I received the letter from XXXX XXXX stating we did not owe any debts. 

On XX/XX/2022, I sent the Park Place letter, screenshots of my online portal payment on XX/XX/2022 of the fee in question, and a personal letter to IQ Data explaining that this is not a debt that I owe to Park Place. 

On XX/XX/2022, my wife, XXXX XXXX, also received a debt collection notice for this fee from IQ Data. On XX/XX/2022, I contacted XXXX XXXX via email requesting them to notify the debt collector of their mistake in sending this to collections. 

On XX/XX/2022, I received a phone call from IQ Data, who asked me to confirm my refusal to pay this debt. I explained the situation to IQ Data and stated I sent them the required documentation to dismiss this debt via mail on XX/XX/2022. IQ Data stated they had not received my letter and requested that I email it to them. I emailed them all documents that I had previously mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from the three major credit bureaus that South West Credit Systems flagged my account for a collection. The original creditor XXXX was paid a long time ago and took the difference from my last policy payment to satisfy my account. This company is ruining my credit and deserves to be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 working remove incorrect negative reporting on all my credit files.

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 2022-05-19
Company: Exeter Finance Corp.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX  account *XXXX  XXXX XXXX XXXX XXXX  XXXX *XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account withouth my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My bank processed the same check twice, causing an overdraft. Then they charged me a fee for the overdraft.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX I have the right to demand and see the contract between XXXX XXXX  and myself! Please send the proper validation

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 2016-07-28
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase mortgage co just canceled my approved mortgage modification for my FHA loan after I made two of the " trial '' payments on time and sent the signed acceptance forms back, overnight with signature delivery as my mortgage specialist told me to do. The envelope was postmarked by XXXX XXXX, 2016 and I provided Chase with the tracking number as I was told. 

I was informed that more documents were sent to me that need to be signed and returned ( after I just got an envelope with the modification approval and terms-including a letter describing that to accept this the terms were to make the tree trial payments on time ) and there were payment coupons included. To avoid any further delay as I asked if these forms could be made available online as I was traveling at the time the acceptance forms were sent and was told no, so I had to get another family member to stay with our XXXX Uncle and went back home earlier than planned to get documents that Chase sent to my home. Now-I see that the Chase website has the whole process available online including all the forms. 
So now, I find out after all this that as of XXXX XXXX, 2016 that the process has been " closed ''! I sent another secure email to try to resolve this and have n't heard back. 

Chase has given me nothing but the run around about this for months and I 've jumped through all their " hoops '' and had one more pmt to make XX/XX/XXXX to make the modification final. And, now they pull this. I have read that there are over XXXX complaints on the Consumer Affairs website about Chase doing this type of thing to its customers and now unfortunately, I will also be one ... 
Please help me, I am now in danger of losing my home! I got behind due to health issues in the family. My husband became XXXX and can not work and then I 've been traveling out of town to help family members care for a XXXX relative and Chase repays my loyalty as a longtime customer ( formerly in good standing as far as payments until about 6 months ago )!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Last Friday I scheduled a transfer from my XXXX XXXX, yesterday ( XXXX XXXX ) the money was transferred. I phoneed Chase yesterday and asked when the funds would be available and told not until today, the XXXX. However, now they are telling me I can not access my money until the XXXX. They have my money, but wo n't let me have any. While I personally would like to see every senior executive of Chase lined up and shot, I will settle if you can prevent any further misuse of a consumers deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX I was alerted by XXXX that there was a new entry added to my credit report. The collections agency that had reported was Paragon Revenue Group. They were stating that I owed {$180.00} in the year of XXXX. They stated that i was seen in the month of XXXX of XXXX at XXXX XXXX XXXX XXXX XXXX. I explained that I have no knowledge of ever being seen on that date. I also explained that I called the hospital and asked them to run my social, dob and name to see if they had any past due accounts or medical forms or records by any name. They informed me that they had nothing in the year of XXXX. The only thing they had was when i was brought in XXXX by my mother and the amounts that were due at that time was XXXX for {$55.00} and XXXX for XXXX even. I also went to their online site and put in the account number that paragon gave me and there was no record of it. I called paragon and informed them of all this They then sent me to someone that " handles those type of accounts '' which was a voicemail. I then called back and a man answered the phone and tried to tell me he was someone else when he clearly was not. He then transferred me to another voicemail. At this point I was very frustrated and called back and demanded to speak to a person. A lady got on the phone and told me that this was a debt from XXXX of XXXX. I repeated that I had never been to the hospital around that time and informed her of the information that was given to me by XXXX XXXX. I also let her know that taking old debt that is past the statute of limitations and trying to collect on it was illegal. This has caused major problems with my credit score as they have been reporting to all major credit reporting agencies. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase is reporting my Mortgage as 90 Days Late in XXXX 2015 to both XXXX and XXXX. My mortgage was sold to XXXX XXXX on XXXX XXXX, 2015 - see attached Chase goodbye letter. I called Chase and spoke with six different people before getting someone in Escalations. I made my XXXX 2015 payment to XXXX and provided this proof to Chase and Chase continues to report data on my mortgage after the transfer date. The XXXX data was initially removed from the reports then was put back on the reports after I wrote them and stated if this doesnt get resolved I am filing a complaing with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We applied for a home refinance loan with JP Morgan Chase Bank , N.A . XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX to refinance our loans with XXXX XXXX and XXXX XXXX XXXX, and signed the final loan papers on XX/XX/XXXX. The new loan with Chase included a pay off our first mortgage with XXXX XXXX and our XXXX mortgage with XXXX XXXX XXXX. Chase paid off our XXXX mortgage with XXXX XXXX on XX/XX/XXXX. However, our XXXX mortgage with XXXX XXXX XXXX has not been paid off as of XX/XX/XXXX. The final HUD-1 settlement statement for the refinance that we signed stated on line XXXX that Chase would payoff our mortgage of {$60000.00} with XXXX XXXX XXXX. A few weeks after signing the final HUD-1 settlement statement, we received another HUD-1 settlement statement in the mail that was changed on line XXXX. The payee was changed to " XXXX '' instead of XXXX XXXX XXXX but the amount of {$60000.00} was not changed. We do n't have a mortgage with " XXXX, '' and have never even heard of " XXXX. '' We have left messages with the Chase loan origination department and have contacted the loan processing managers, but our mortgage with XXXX XXXX XXXX has not been paid off and we now have XXXX mortgages with Chase and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: PA
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 DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRES. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good morning, XXXX  Called Regions twice. 
Simple- they owe a {$400.00} bonus as promised. 
Unfortunately still waiting although 1. All requirements met 2. Promotion code provided twice.

3. Several Months bonus overdue. 
Thank you

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 2015-06-26
Company: AMERICAN EXPRESS COMPANY
State: VT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Bogus charges from XXXX appeared on our AMEX card. XXXX month was for + {$600.00} ; XXXX month was for + {$3500.00}. We do not know who they are, nor were we ever contacted by them by phone or e-mail. We always use a virtual keyboard when ever we enter sensitive data. We did not pay any of these charges and feel that this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: CarMax, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested validation and still yet to receive. I have not had any credit cards to over 7 years this is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have made a lot of attempts to settle with this credit card from XXXX XXXX but they did not want to help me and now it is at the Sheriffs department to take my wages that I do not have. I just recently opened a small business and have not made any money and they just want to take what I do n't have to give, I offered to settle for {$1500.00}, and they denied to settle for that. This is my last credit card that I owe, due to me losing my job in the past and went to a debt consolidation company that was suppose to help me and did n't so now all I want is this to be taken care of. They are with XXXX right now and they do not call me back, they are avoiding my calls, just goes the rep 's voicemail but they never call me back, I do n't understand why I can not get this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: Capio Partners, LLC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was injured on the job. Worker 's Comp paid most of the bills. This bill was submitted to a collection agency. I have told them numerous times it was a Worker 's Comp claim & not my responsibility. They continue to contact me for payment.

Company response to consumer: Closed with non-monetary relief