BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal is holding {$28000.00} of my money collected from my clients over the past three years and they are not letting me have it. 

I was actively using PayPal since XXXX  and I never had a single major issue. They were always pretty nice to me and we got along pretty well. 

I trusted PayPal for storing my funds in it, and over the course of the past three years, I've collected more than {$30000.00} on it. 

On XXXX I received an email from PayPal asking to prove my identity. I thought this was some kind of routine check that PayPal does. I didn't bother to check the future. I provided my passport picture and my bank statement picture. 

Please note that I provided these multiple times before when requested, and I never had a single issue. 

On XXXX when I had around {$28000.00} in my PayPal balance I received an email from PayPal stating that my account has been permanently limited and that my funds are frozen in my account. 

I called multiple times for an explanation of what happened but representatives from PayPal kept it very secretive and refused to give me any kind of information whatsoever. 

I believe it's okay that PayPal wants me to part ways with them, they are a private company at the end of a day and I respect that What's not okay is them holding my balance of {$28000.00} hard-earned money. I am from XXXX and I pay my business expenses with that account. 

By holding my money they are ruining my business, my career, therefore, my life. 

As a XXXX XXXX XXXX, I have no power to do anything other than to escalate this case I am 100 % willing to resolve this with PayPal by providing them any kind of additional information that they may need like utility bills, company registration number, tax returns, anything. I wasn't even given a chance to appeal their decision The reason for holding my balance, as they say, is that if somebody that sent me money in the past 180 days were to refund that money, and I withdraw it all then they would lose money In the past 180 days, I received only {$2200.00} so I suggested that they keep at least {$5000.00} for their security, which is double the disputable balance and let me keep the rest since I actively run a business and I need that money, but they refused. 

I tried to solve this in every possible way but they refused it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Based on the Making Home Affordable Program Performance Report through XX/XX/2015, of the XXXX Tier II modification awarded by Wells Fargo, how many home owners from the XXXX XXXX, XXXX XXXX XXXX received these modifications?

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 2022-06-15
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had any dealings with this company. They called me once and I told them I don't know who they are and if I owe them send me, Original contract with wet ink signature binding both parties, sent certified mail, Validation of debt- that is the actual accounting, Verification of their claim -that is a signed Invoice not a statement This was a conversation over the phone roughly 3 months ago. I've given them plenty of time. This is unfair to me and the banking systems because this is being reported on my consumer report and hurting my chance and the banks chances of consumer credit transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: AMERICAN EXPRESS COMPANY
State: LA
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:
I have 2 unauthorized inquiry to my consumer report on XX/XX/20 and XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have Credit Limit {$4000.00} and balance {$1300.00} I credit card was denied, I called credit card about it and asked about explanation they said computer has hold balance, I said why all they said we are sorry

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 2020-10-31
Company: Experian Information Solutions Inc.
State: CA
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:
NEW DISPUTE - not duplicate.

This is now my 5th complaint on Experian regarding the XXXX preferred account listed on my report. XXXX  lists inaccuracies on my report. I have attempted to contact XXXX Preffered on several occasions but the phone number they list on my report of XXXX is a non - working number. I have tried mailing my requests for an itemized statement and proof of who used my information to sign up for the account. I mailed several requests to the XXXX XXXX XXXX but the mail is returned to sender. 

I have asked Experian to update the phone and address they list for XXXX so that I may gather information on who stole my information to get the account. 

However, once again, Experian completes their investigation and fails to correct the inaccuracies and at the very least, update the creditor contact information. 

I have also field a complaint with CFPB on XXXX  preferred and as I thought, XXXX ignored the complaint and has not even responded to CFBB. 

How can Experian continue to list the account inaccurately without using common sense and calling the number XXXX lists on the credit report?

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 2020-03-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 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 I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i have written multiple dispute letters to the creditor stating the debt surpasses philadelphia, Pennsylvania statute of limitations guildlines of ( 4 years in pa to collect on a debt ). they have avoided the letter as in i received no response. i than sent the company a letter stating not to call me at work or home and if they persist with continuing to harrass me, i will file a complaint with the cfpb for violating the fcra and not complying with the request to not call me..after months of no response, i sent the creditor a goodwill letter in hopes to remove the debt because im currently unemployed and no way at all to pay back the debt and i still havent got a response from creditor and really need help removing this from my report because its affecting my score rapidly. If i could the balance, i would. i bought every car i ever owned from this creditor and would like to continue business together but i cant get a response to save my life.please help.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: MARINER FINANCE, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was late on my loan and was 30 days late 1 time and because they couldn't contact me on the phone they defaulted my loan to an attorneys office..The problem I have with that is I paid off my account once and renewed this loan and always have made my payments ... ..I tried to make a payment to bring this account up to date and they told me it was referred to an attorneys office for one 35 day late and they keep reporting negatively to my credit and they don't have my account nor do I have a court date

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 2020-03-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent in a complaint yesterday, and last night received an email from PHH regarding my account. The first email addressed bogus lates reported by PHH for XXXX XXXX XXXX, now I see that they also reported me late in XXXX. Here is my email to them today. 

I am responding to an email received XX/XX/XXXX from you, PHH. You stated that PHH did not make any error in reporting my XXXX & XXXX payments as late and accessing a late fee and or derogatory make on my credit report. I have reported you to CFPB, as you are wrong. You stated that if a payment is received after the XXXX of the month a late fee of {$94.00} will be charged. XXXX payment was paid in full as follows XX/XX/XXXX {$700.00} XX/XX/XXXX {$700.00} XXXX {$700.00} XXXX {$450.00} WELL BEFORE THE XXXX OR THE XXXX!!!! PHH just doesn't know how to credit payments correctly. Instead PHH puts them in suspense!! 
XXXX payment was also paid in full by the XXXX which is a friday, the XXXX fell on a Saturday and the next business day was a holiday/XXXX  XXXX and many financial institutions were closed. So it appears PHH may not have processed my payment until the XXXX, which is not my problem, since I gave you the money on the XXXX! PHH is a nightmare and needs to stop harassing customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: EQUIFAX, INC.
State: LA
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 was purchasing a car from XXXX XXXX and when i looked at my credit report there were several hard inquiries that i did not approved. I was given XXXX XXXX but several other inquiries from other loan companies. I told equifax but no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
The complaint is against CHASE credit card services. I have a checking account and also auto loan with them. They offered a balance transfer with 15 months zero interest. I asked for about {$2700.00}, and I was approved immediately. Yesterday XX/XX/2017I received the card in one mailing, and then a letter in a second. The second said " Update : Your credit card application is approved but no balances transferred. '' The reason cited : " PA-The payee address is unknown ''. CHASE does n't know the payment address for a competitor, XXXX? I called and the agent said the reason was a $ 150+ transfer fee. My response was to order him to close the account. This is bait & switch. Today I wrote to a letter XXXX XXXX XXXX, Executive VP Chase Card Services. Her name was on the cover letter with the card. I do n't know if she is really the one to address this problem. I copied XXXX XXXX, who was the CEO of Credit Card Services. I do n't know if he still is there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: GREAT LAKES
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Loan officer requested signature loan and prelim came back with 150 day late pay. To my knowledge my payments have never been late, even with prior hardship I made arrangements and have paid the correct amount, on time, since inception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Avant Holding Company, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received an email XX/XX/XXXX From Avant CC that they became aware of suspicious activity on my cc and my account had been blocked. I logged onto my acct and saw the red banner indicating a block with a phone # for customer support. There was XXXX in charges that I did not make. Both transactions were on XXXX for XXXX ea from XXXX XXXX XXXX , I paid this card in full on XX/XX/XXXX in the amt of XXXX bringing the acct balance to XXXX dollars. I called Avant customer service multiple times on XXXX and XXXX and was on hold for a total of at least 3hrs. As well, i emailed creditcards @ avant, com 4xs and have not received a response. I did speak with a rep, XXXX, on XXXX later that night at XXXX, she stated her name was XXXX and worked for a 3rd party company that takes information for Avant. I did provide her with a fraud complaint with regard to the above amount. She could not and did not provide me with a complaint number. She stated that AVant would be in touch with me to discuss further details. She stated that she requested that my account be closed and no new card was to be sent. 
At this time, Avant has not responded to my emails and no f/u call has been received. As well, there are several complaints on their XXXX page about fraudulent charges and that no one can get in touch with Avant. 
This company is not acting in good faith and at best is conducting business with little to no ethics. 
I do not want to be responsible for these charges, I do not want my credit to be affected due to their lack of response and I want Avant held accountable for not responding to their customers They can be contacted : Avant XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is in addition to the prior 2 complaints I have recently submitted. I just hung up with care credit/syncrony bank. I explained to them that I am very upset that they contacted the 3 credit reporting agency 's and it has caused my credit score to drop almost 54 points. I was told that I did not make the full minimum payment. I explained when I opened this card and made the 1 charge the minimum payment was {$160.00} Now my balance is {$1200.00} I am still making the {$160.00} per month payment. I explained the balance is no longer {$3500.00} so the minimum payment should be going down. Now they want {$240.00} for this month. I do not understand how the minimum payment keeps changing month to month. Besides that there is still a discrepency of {$510.00} that was charged fraudulently. They keep telling me it was credited back but when I calculate the one charge and deduct my payments the balance is wrong. ( interest free for 2 years ). I am very upset that they make up there own rules then go and report this account as delinquent. I have been through nothing but issues and problems for almost a year now with them. I am also told they can only look back so far ... ..how is that possible? They should be able to see the records from day 1. I can't get online either to view the past history and from them failing to send me statements for approx 4 months really messed this whole situation up. I am complaining because I want them to remove that delinquent remark back to positive. I make my payments on time and always make the {$160.00} if not more.There ruining my credit score.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Reporting ActXXXX XXXX XXXX XXXX account # XXXX 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 an 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 explanation
Consumer complaint received 2017-10-15
Company: Kriya Capital, LLC
State: MO
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:
XXXX XXXX XXXX is a wireless provider I opened an account with in XX/XX/XXXX which is account # XXXX Later I noticed that XXXX XXXX XXXX reported my newly esta.0blished account to the credit bureaus saying that I owed {$860.00} by adding on a balance from an old account over 6 years ago. 

XXXX XXXX XXXX XXXX can not get monies from an old account and place or transfer it to another account in question. Credence Resource Management a collection agency was their collector. Therefore, the debt was cancelled and there is " NO CONTRACT '' The debt was sold and XXXX XXXX XXXX XXXX wrote debt of {$860.00} off on their taxes years ago. I told the credit bureaus that but to this date it is still unresolved. 

That old account can not be merged into a new account of mines and then state to continue on credit bureau report until XX/XX/XXXX. When in fact that old account supposed to been removed some time ago. Especially after 7 years. 
The account being reported is a different one with different account number ( partial # XXXX ) and saying it was opened in XX/XX/XXXX ; When in fact it was not it was over 6 years ago. 

So how can XXXX XXXX XXXX just merge new account information with an old account to impact a person credit report negatively according to the law. 
this is a XXXX company as well and the 2 year rule is outdated. 

I am requesting that this negative & falsified and manipulative information be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a call today XX/XX/2020 at XXXX XXXX  PST from Midland Credit Management ( XXXX ) XXXX on my personal cell phone asking for my wife. I said this is her husband and the debt collector started divulging information from a debt that she previously owed to a different entity without proper verification of who I was or obtaining consent from the owner of the debt to discuss this information with me. When I asked to speak to a supervisor to explain that they were in violation of FDCPA he assured me that they were not. I explained to him that I am fully aware of the law as I have worked for consumer collections for over 20 years and he proceeded to dismiss it to be true and continued to ask me to resolve the debt. 

Since the company is in violation of the FDCPA I would like a full investigation and proceed with the fullest of penalties that are applicable to this agency and the original owner of the debt since they are responsible for vetting the collection agency that represents them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wrote to mortgage company several time. The mortgage company referred me to the owner. but did not answer my queries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation