BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-18
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I made XXXX purchases with my PayPal XXXX XXXX XXXX for wine " futures '' - wines which I pay for now, that will be delivered up to 2 years later. Unfortunately, the merchant, XXXX filed for Chapter XXXX Bankruptcy protection ( during the 2-year waiting period ) on XXXX and wo n't be shipping the wine to me. I have neither received the product, nor a refund from XXXX. PayPal XXXX XXXX XXXX is refusing to issue a refund, stating that they only have XXXX from the date of the transaction, to start a dispute. Unfortunately, the clock should start after the product was supposed to be delivered, not after the initial transaction. XXXX XXXX XXXX wines are often purchased as " futures '' two years in advance of receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-19
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They are charging me 1500 % in overdraft fees far above what they covered. I have asked them to no cover any overdrafts and they told me they will cover them if they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To whom it may concern this is a ongoing problem with the practice of this business after I was being told there be no more further collection and their statement was forwarded to Department of Business Oversight of California I still continue to receive different types of collection agency attached is the documents trying to have a mutual agreement they had ( 4 ) different licenses and ( 2 ) different addresses neither from California also 4 enforcement actions. I was unaware of their practice.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian credit bureau refuses to remove an incorrect address from my 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 non-monetary relief
Consumer complaint received 2022-08-03
Company: U.S. BANCORP
State: MI
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:
My information was used without my permission

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 2016-09-04
Company: Paypal Holdings, Inc
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I had an issue with a merchant where the digital items that I have purchased were disappearing from my account. I used my paypal business debit card to make the purchases. After this occurring for months the only response I was getting from the developer was automated email mails that had nothing to do with the issue until the last one. It stated that I needed to provide screens shots of the items that disappeared. Since that was an impossible thing to do, being that they disappeared, I called XXXX support. They advised that since they can only refund 24 hours of charges due to company policy, I should call my card provider and dispute the charges. The total amount I have spent exceeds {$50000.00}. I called PayPal and filed the dispute. Only disputing the charges from the time I noticed the items disappearing. Paypal then denied the dispute and locked my paypal account in a matter of a few days. When I phoned them to ask why they responded saying I would have to hire a lawyer and subpoena them to get an explanation. A few months prior to this I had a fraudulent dispute filed on me and they decided against me due to the fact I did n't have proof of shipping. The item was a digital item so there is no way to prove that. I used paypal for a considerable amount of transactions prior to all this with no complaints or issues that would negatively portray me in any way. I feel that PayPal is taking advantage of being the middle man without accepting the responsibility of insuring the purchases properly. Due to the fact that the items I purchased were disappearing I felt that taking XXXX advice was the right course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
This company XXXX inform me they sold a account under my name to another company. 

Its mean they sold all my private and or federal personal information like Names and last name, adresses, SSN #, birthday and or phone numers... 

Company like this sold all information of client to other companies...

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 2023-09-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit 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 with capital one for many years. On XX/XX/XXXX paid off my total balance of XXXX and closed the acct. 
The last charge I had on the card was {$8.00} on XX/XX/XXXX. 
I got a bill in the mail for {$84.00}. I called capital one and asked what the charge was for and they called it residual interest. But couldnt quite explain why it was {$84.00} after I paid my balance in full. I dont understand how they can charge residual interest on an act that was paid in full and closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I tried to track and change a pass code or test question from one of my employees to western union at their toll free #. They stated that I needed to call from the phone # of the purchaser. That 's stupid for a receiver but for a sender? My complaint is. I asked for a telephone # or email for a supervisor and was told they did not have the contact information. I told him that I knew he was lying and to get the information for me. Then he said " I do not have direct contact with my company. '' As you can plainly see this is a bald face lie and borders on the sanctimonious bull that scammers and politician use. I get company policy but I do not accept and will not be lied to without complaint. XXXX was the person I spoke with at the XXXX #.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: MIDFIRST BANK
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, Iowa XXXX Complaint against- Midland Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Loan # XXXX Complaint : I received my annual Escrow Account Statement the second half of XXXX, outlining that my principal and interest would not change for the next year of XX/XX/XXXXXXXXXX/XX/XXXX ( see enclosure ). Near the end of XXXX Secretary of Treasury stated that the Federal Interest rate would increase by a 0.25 %, after which, Midland Mortgage sent me another notice stating that my interest rate would increase by 0.25 %. I received this notice less than 25 days of when the change would take place ( which is required by my contract ), despite the date on Midlands statement. Never the less, I accepted the change and made the payments. Other conditions that Midland has not been compliant with, are them providing me the index that they use to calculate the change in rate and date of that index as well as other requirements in The Adjustable Rate Note, Interest Rate and Monthly Payment Changes, # 5 A-G. XXXX, I am informed that Midland Mortgage is increasing my interest again by 0.125 %. This would also permit them to adjust my Change Date. Midland Mortgage citing they made an error is not a defense that is acceptable. It is not justifiable that Midland Mortgage or any mortgage company be allowed to make changes to customers ARM, every time they make an error. If this were permitted, then the yearly Change Date would be futile. What I want to happen : I do not want Midland Mortgage be permitted to increase my rate after the effective Change Date of the contract. I do not want Midland Mortgage to be changing my Changing Date of my contract. Midland Mortgage trying to increase my rate is just another example of million/billion dollar companies taking advantage of consumers. This problem addresses the issues of these big companies always cheating consumers by shaving a little off the top. Such large companies shaving a few extra dollars from millions of consumers equates to billions of undeserved revenue for them and increasing the financial struggles of the American consumer. Frequently encounter examples of : XXXX overcharging for over usage of data, even though I have been close, but not over. XXXX charging for cloud usage, $ XXXXm for years, but never used, not knowledgeable of ; XXXX XXXX charge for equipment/services not requested, not used. XXXX advertised additional cost services, but later eliminate such services ( hide cancellations in small print/terminology non-specific ), but they still collected for those services. These companies know that it is counter-productive for consumers to engage in legal battles for such small amounts, therefore they are forced to pay.

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 2016-06-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Hi, I noticed that Paypal is engaging in a deceptive practice and I wanted to bring it to your attention. If you make a payment on a retailers website, for example -- I purchased a television on XXXX, the money is withdrawn from whatever credit card or debit card you have connected to your Paypal account. 

However, if and when the merchant refunds you, for example, you return a television to XXXX paypal does NOT refund you, it keeps the money within its own system and says that you have a " positive '' paypal balance. Why are they holding on to my money? Paypal is not a consumer bank! I have no idea how to get Paypal to give me my money back, they should not be holding on to it. It 's deceptive and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
There has been submittet XXXX XXXX XXXX XXXX payments on my mortgage in 2016 but the mortgage service company ( Bayview Loan Servicing ) claims only XXXX payments have been received. I have submitted copies of bank statements to Bayview, but I am unable to get the company to acknowledge that there has been made a mistake on their behalf. I have submitted several complaints to the company, but they have not provided any feedback. I have talked to more than XXXX customer service representatives but they are unwilling or too incompetent to help. Despite the fact that I have submitted documentation of payments the mortgage company claims a payment is missing and there is nothing more they can do to trace this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am filing this complaint because Paypal restricted my account and locked me out so i cant make purchases or add or remove cards. I have not even been able to use the service once for a payment. They recently said they could not verify my idenity even though they have all of my information. They sent me mail before and even a PayPal mastercard yet they claim suddenly they can not verify my identity. I provided social security number and linked account what else do they need an iris scan? There is no lawful reason for the security lockout on my account at all. This could be some discrimination in my opinion. They should stop harassing law abiding citizens. They should be able to send me certified mail that i could sign it is very hard or next to impossible for me to go and fax a copy of a bill just to prove my identity when they already know since i already provided that information and they could just send me mail.. i feel their rules dont make accommodation for XXXX and elderly because i can not easily Go fax in documents and rheir app does not work to scan documents and send them. I feel random ibdenity verification requests are unreasonable and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Took out pay day loan from Cash Central .... at ( as I found out later ) outrageous interest rate over 200 % APR ( at least ) Attempted to resolve the matter ( to reduce APR ) the refused to. 
They tried to get money out of me- I blocked them. 
Over 15 months later I get threatening calls from XXXX XXXX XXXX XXXX, stating that if I dont cooperate with them, they have server in the area to file criminal charges against me. They started to call everyone with the same last name and threatening them too. 
When I called back they said they were mediators and coned me to agree to pay them {$300.00} per month till I payoff ( {$5000.00} ). 
I paid them XXXX {$300.00} each time by my debit card so far, called to change due date and requested a slightly lower amount ( {$220.00} ) - they refused and first thing this morning I received a phone call from someone called XXXX XXXX stating she is local locator and she will be visiting me @ the place of my employment or residence with some court papers. 
At which I emailed them Cease and Desist letter ( to the same email address they were communicating with Me from ) and emails starting to come back as not able to communicate over the email demanding to call only. And then it changed to can not accept emails also. 
I did research on the firm and found a lot of complaints and there is even law firm investigating for threatening people with the same type of messages that I have been receiving from them. 
They Need to Be stopped and outlawed!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Resurgent Capital Services L.P.
State: VA
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:
A credit card debt was delinquent and owed with XXXX XXXX XXXX XXXX. I moved and my daughter went missing. I later received a proposal letter from XXXX XXXX XXXX XXXX to settle the debt in XXXX of ways. I chose to pay and settled the amount. I have letter, check and receipt where payment was sent certified mail. A collection agency has since sent me a letter to sue me for another balance. I have filed a dispute with credit bureaus but this I think is in violation of federal law. Please help. Company is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I applied online for Barclaycard Visa with XXXX XXXX card with a {$3000.00} credit line. Status provided at end of application process : " We are reviewing the information you provided. We will contact you within 10 days with an update on your application status. '' The Company never contacted me to convey their decision ( declined ). 

In XXXX, I learned that the application had been declined via www.barclaycardus.com. Status provided at that time : " Unfortunately, we are unable to offer you the Barclaycard Visa with XXXX Rewards. A letter with additional information will be mailed to you within the next 7-10 days. '' I have received no such letter from the Company - or any communication in any form - through XX/XX/XXXX. 

Part and parcel to this transaction, the Company : A ) failed to communicate the results of their credit decision within 10 days ; and B ) failed to send a letter explaining why the application was declined. I believe this is in violation of the Equal Credit Opportunity Act. 

I appreciate the CFPB 's assistance in resolving this matter. 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 2023-02-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo foreclosed and had me evicted form my house about XXXX in XXXX XXXXI lost all my possessions and was on the streets for 3 days. cfpb must determine if Wells Fargo was in violation of federal Law!

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 2016-03-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter dated XXXX XXXX, XXXX that make false claims regarding an alleged mortgage : 1. Notice Pursuant to Fair Debt Collection Practices Act ( If Applicable ) 2. Bayview Financial having full authority to negotiate, amend or modify all terms of the loan 3. The alleged servicer Bayview Financial is the servicer for The Bank XXXX XXXX ( Trustee for XXXX, XXXX XXXX XXXX XXXX XXXX ). 
I have never heard of Bayview XXXX. I have never received any communication from this company related to this matter or an alleged loan serviced by Bayview XXXX. XXXX XXXX, XXXX is the first time I ever received any notice regarding an alleged debt/loan serviced by XXXX Financial. 
Furthermore, my research indicates The Bank XXXX XXXX has provided documented information to me and to the XXXX ) that confirms, they are not the lender, successor, investor to the alleged mortgage as stated in the letter. In fact, the alleged trust was terminated in XXXX. Therefore, the statement in the XXXX XXXX, XXXX letter regarding a document filed in XXXX XXXX, XXXX in XXXX occurred five years after the trust terminated. The statement in the Fair Debt Collection notice is in error and invalid. It is impossible to execute a transaction with a trust that does not exist. 

Additionally, the Power of Attorney related to the property, XXXX XXXX XXXX has been suspended and filed accordingly following judicial procedure with XXXX XXXXXXXX. 
I have no knowledge of any alleged parties of interest or the alleged loan referenced in the letter date XXXX XXXX, XXXX. 
The letter is threatening, deliberately misleading, inaccurate and harassing. It violates consumer protection laws. It is also a possible violation of FDCPA, XXXX laws and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: WELLS FARGO & COMPANY
State: OR
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:
Notified agent from Wells Fargo calling my phone on XX/XX/2023 that I was not the party they were looking is not at this phone number ( my number ). I also stated to them, " Never call this number again, or I will report you ... '' They have also attempted to make their repeated calls by calling from different numbers. XXXX, XXXX and XXXX. 

I received another call from them today, XX/XX/2023.

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