BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I already wrote a claim on my email XXXX but I have updated news on the case, What happened was that XXXX $ were sent to PayPal user XXXX, XXXX $ were sent using pay pals feature goods and services I was able to get that back but the remaining XXXX $ werent because they were sent thru pay pals feature friends and family Pay pal told me I wasnt able to get that back to call my bank to file a claim I did and I got a letter in the mail saying I can get the money back and I called and they told me the same thing, I really need the XXXX $ back the person who scammed me I paid him to reactivated my XXXX account ( my music platform because it was deleted ) he pretended to be a employee and told him to send him money and hed reactivate my XXXX account and get my payments from my XXXX but he never did he blocked me and I havent heard from him please help I need my money the bank is no help and so is PayPal I need my money for rent I had to give up XXXX and get a new job because I was scammed this guy ruined my dreams and hopes please help his pay pal emails are XXXX and XXXX his name is XXXX please help I added photos of his face book profile and of his pay pal account please help get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CREDIT ACCEPTANCE CORPORATION
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: Reporting company used your report improperly

Complaint:
Late Payments on my credit report. 
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 Secion 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 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 2017-05-12
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivable s Perfor  mance refu ses to remove a debt that has been paid off since  XXXX   XXXX ,  2012 . The original debt was with  XXXX  who, once paid, removed the entry from my credit within 90 days as they said they would. This company though says that they do not and will not remove this entry from my credit even though it 's adversely effecting my credit in a paid status. When you call they put you on silent holds or just let the phone ring. They treat you, even when you have paid the debt, as though you belong in debtor 's prison and you are wasting their precious time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In order to have the debt/collection removed from my credit report, the debt was paid XXXX/XXXX/16. I was informed verbally and in writing that the debt would be removed and as of today it is still present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a credit card bill due on XX/XX/XXXX in the amount of {$75.00}. I paid the complete amount due on XX/XX/XXXX. My account is now XXXX. When I received my new bill, it said that I now owed {$1.00}. When I called to complain, I was told that it was due to Residual Interest. I told them that it is impossible. I paid the total amount due and before the due date. The operator agreed to take the {$1.00} off my account. I informed the operator that because I knew that I paid the account in full, I wasn't even going to open the new bill because in my eyes I did not have a bill. I thanked the representative for taken the {$1.00} off but imagine all the people that just pay the {$1.00} without dispute it. If she states that its considered Residual Interest then why did she agree to take it off? 
It's not the amount that I'm complaining about, it's the practice of the way they charged me. Is it legal?

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: IL
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:
Experian received a letter from me on XXXX on what methods they take to verify the bankruptcy on my credit report. They responded with a letter stating that the bankruptcy is still pending and was verified by the bankruptcy court directly. I also went to the bankruptcy courthouse that the credit bureau said they got the information from and asked the clerk if the courthouse gives Experian information on bankruptcies and the clerk gave me a letter stating that the court does not give out public record information or bankruptcy information to credit bureaus. 

After receiving this information I sent another letter to Experian showing them that the courthouse does not give out information about bankruptcy to any credit bureaus so the court can not verify it. I also sent them a copy of another credit bureau called XXXX deleting the bankruptcy off my report because they could not verify the information giving more proof on why they should delete it as well. After receiving my letter on XXXX where I give XXXX proof of how this bankruptcy is unverifiable they refuse to delete the bankruptcy. Having this bankruptcy on my credit report is causing me to get denied for credit to purchase a car that I need to have transportation to my place of work. My application for a mortgage was denied because of the bankruptcy. I need to get mortgage approved so me and my family will have a place to live The bankruptcy needs to be deleted from my credit report ; it can not be verified by a legit source.

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 2017-05-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Recently I have received credit card ( mailed  ) by Synchrony Bank, without my previous request. When I tried to activate the card, I was mislead to close my old account and open a brand new one which caused negative effect on my credit score and affected all my future financial plannings. I reported this situat ion to the Bank, they shown little understanding about the situation they involved me, in which by my opinion I was dragged in without my request or desire.

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 2021-12-28
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Going into early 2021, up until XX/XX/2021, I had a business banking account with XXXX, owned by BBVA. 

BBVA recently merged with PNC in the US, and I needed to get statements for the account, so I attempted to contact the last number I had for XXXX. It told me that it was a BBVA number, and that BBVA is now PNC, so I contacted PNC customer service. 

Upon contacting PNC customer service on XX/XX/2021, I told them my situation and that I needed statements for the account. After waiting on hold for about 20 minutes, the representative came back and told me that she couldn't find an account with my business ' name on it. 

After spending about another 20 minutes searching to see if I had any old documents related to the account and not finding any, we agreed to end the call. 

By law, banks must provide customers statements from their accounts, and the fact that they have no information about an account is extremely scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
When making a purchase using the card, I was promised 48 months to pay the balance at a 9.99 % APR. The first statement I received indicates that I was given 12 months at 0 %.

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 2021-12-28
Company: AmeriCollect
State: PA
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:
A validation of debt letter under Fair Debt Collections Practice Act was sent to AMERICOLLECT INC Services but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from AMERICOLLECT INC is considered fraudulent and invalid. Since this was a medical situation i also requested that they provide a HIPPA authorization, in which they failed to produce. I also attached a copy fo the certified receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
I have credit cards for retailers issued through Synchrony Bank. The cards in question had {$0.00} balances and no late payments. Synchrony took it upon themselves to close XXXX of the accounts and lowered the credit limit on the other. This has really hurt my credit through the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Navient Solutions, LLC.
State: OK
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:
I completed the deferment forms and submitted within the deadline and a few months ago, I received an email stating my loans are past due. Called customer service ( on lunch break did n't write down the name or date : / ) but the call was recorded. The rep told me to disregard saying my loans were n't due until    XXXX   XXXX   XXXX   I keep receiving the same past due emails, which is now affecting my credit report and score and I was trying to buy a house but due to this incorrect information, I had to stop perusing a home loan. I emailed the rep this time and they said that indeed, it 's past due and I said that 's not correct and to please review the notes. I have n't received anything in the mail or nothing other than these emails. The rep later said they have n't talked to me since   XXXX  !! How can that be when I have to submit paperwork and ask for a hardship deferment every 6 months!! They are sticking to their " notes '' and that 's not working for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Resurgent Capital Services L.P.
State: PA
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:
A validation of debt letter under Fair Debt Collections Practice Act was sent to LVNV Funding LLC but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from LVNV Funding LLC is considered fraudulent and invalid. I also attached a copy fo the certified receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: JPMORGAN CHASE & CO.
State: CA
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:
On   XXXX   and again on   XXXX   Chase Bank via  Amazon.com infor med me my credit was ran and applied for credit. I did not authorize this nor did I apply.   I contacted  Chase  at  XXXX  on  three occasions whom informed me the application was clearly fraudulent and they would remove th e inquiry from my credit. My most recent conversation was in   XXXX   and was told it would be removed in a couple days. They remain on my credit and Chase bank has failed to remove the fraudulent inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: Stellar Recovery, Inc.
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
It shows on. XXXX. That this debt was turned over to XXXX and it was payed now theres a new account open to a new collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CHECK INTO CASH INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I made a payment using card, it was declined due to wrong zip. The merchant ran it again with the right zip. It was approved. The next day both charges were debited from my account. I contacted merchant and he stated he only received one payment and to contact my bank. I did and they said to have merchant fax a letter stating he would n't collect the one that declined which the bank has put in a pending status but have already taken the money for both out of my account. He faxed the letter then they said it was n't signed we faxed it again and again cause they said they could n't read phone number. Now the bank says they ca n't accept without the authorization code but he did n't get one on the declined charge. They say I have to wait 30 days to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: ERC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received repeated phone calls from ERC I asked them to keep all communication to letter form and to stop calling me repeatedly they have continued to call they called today at XXXXXXXX XXXX after I have all requested the calls to stop they are always changing there phone numbers and when asking to speak to a supervisor they go silent and hang up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I placed a {$500.00} deposit to lease  XXXX  cars from  XXXX   XXXX   XXXX  on  XXXX   XXXX   XXXX ,  XXXX , NY. on Saturday  XXXX   XXXX ,  2017 . On Saturday I was told by the salesman that I was approved and asked when would I like to pick up the cars. I even test drove  XXXX  of the cars on Sunday and was reassured that we were all good.     On Monday I received a frantic call from th e Business manager, sa ying I was not approved for tier  XXXX  credit but he did get me approved at a slightly higher payment and a bit more out or pocket. That night when I went home I learned from my credit report service that my credit was ran   XXXX   times between  XXXX  and  XXXX  through many different lenders. I then called and asked why they ran my credit so many times and the business manager said he has been " doing this 40 years and if he had to call me to get my approval before he contacted each bank he would be out of business ''. I immediately cancelled my deal as I would never want to do business with anyone like this.     Bottom line, I never authorized them to run my credit and certainly not 9 times through multiple banks and I was never asked or informed along the way. Furthermore, they were very arrogant and said this is the " way they get deals done ''. I am strongly considering a refinancing of a home equity loan and these  XXXX  inquiries will hurt me in obtaining credit at a reasonable rate.     In my view this is no different than what happened at  XXXX   XXXX  with the opening of unauthorized accounts. My credit report was ran 9 times without my authority and this is a violation of all fair business principles.

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 2017-02-16
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of XXXX, I received an escrow reimbursement check from LoanCare because they said we had an overage in our escrow account. I called them and explained that they needed the money in my escrow account to pay my summer taxes and sent the funds back to them to deposit into my escrow account. When I received my XXXX year end statement from LoanCare, I realized that they never paid my summer taxes from my escrow account. I called on XXXX XXXX, XXXX to ask them why and they said that the issue would be resolved by XXXX XXXX and that someone would call me by then to let me know. When I had n't heard anything by XXXX XXXX, I called again. I was told that the claim was never submitted and that they would send it to their tax department and have it expedited. They said it would be resolved by XXXX XXXX and that someone would call me. When I did n't hear from anyone by XXXX XXXX, I called back again and explained my situation again. I was told they would send it to the tax department and have it expedited. I reiterated that they were the third person to tell me this and asked how I would know that it was going to get resolved. They apologized and PROMISED to call me by XXXX XXXX and that it WOULD be resolved by then. By XXXX XXXX I had n't heard anything and called back for the fourth time. I was given the same story and I then asked to speak with a supervisor. I was told that the supervisor XXXX XXXX would call me within the next 24-48 hours. It has now been almost three days and no one has called me. Six days ago, I requested an advocate through LoanCare 's website to help me get this issue resolved but have not heard from anyone.

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 2016-07-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been monitoring my credit for over a year all of a sudden in XX/XX/XXXX this company states I owe them {$550.00} and the date of the first delinquency is XX/XX/2012 over four years ago. I have no idea what this is and why wait four years to say I owe this debt. I have not rcvd a debt validation or anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Someone other than myself opened a  Capital One credi t card account using my email address. I do not have any association or accounts wit h Capital One.  I 've contacte d Capital One to  determine if the person used any other info of mine, and it seems like they did not ( my  SSN  was not in the system, for instance ). However, since I am getting their emails that only contain the last  4 digits  of their account number, I do n't have enough account information for them to stop using my email. When I call, I ca n't provide the full account number, or the account holder 's SSN or name. But obviously the person associated with that account should be getting the emails. Could you help me get  Capital One  to stop sending me emails meant for another person?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
WE went through Chapter  XXXX  Bankruptcy in  XXXX ,  XXXX  and we put our home through as well because we had put our life savings in to it trying to clear up all it needed and did not have any more to put in it and make the payment as well.As we had put it through Bankruptcy we assumed we has to move out of our home. We did move out and into an rent and have been renting since, we just tried to buy a home and all went well until the bank saw we had a Bankruptcy and even that was ok, but then the   XXXX    came up. Bank Of America had kept the payment going till it was so high and then offered us some help that we could not afford.The bank now reports cavers be cause they just foreclosed and bought the place themselves for {$100.00} on  XXXX   XXXX   XXXX  and that is a very long time to wait and now they say depending on who we want to go through, it co uld be 2 to 3 ye ars longer. We really need your help. we will be waiting for your responses.

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