BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-27
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I used Paypal to submit a payment to XXXX XXXX XXXX XXXX, for a car service on XXXX XXXX, 2015. XXXX advised me later that day that the payment had not been successful, and asked me for an alternative payment method. Meanwhile, Paypal confirmed that I had been charged the cost of the service and that the funds had been transferred to XXXX. To date, XXXX refuses to permit me to use their service because they claim there is a past-due balance for that ride. I submitted a dispute through Paypal, asking them to follow up with XXXX to confirm with them that the payment had been made or, in the alternative, to refund my payment so I could use another payment method with XXXX. Because of the limited functionality of Paypal 's dispute process, I used the dropdown menu for " Unauthorized Use or Transaction Error, '' since it was the only thing that seemed applicable. After all, XXXX does not sell a product for me not to have received or to have received a defective version. I opened the dispute on XXXX XXXX, 2015. On XXXX XXXX, 2015, without having apparently received any response from XXXX to several emails, and without having reached out to me at all beforehand, Paypal closed my dispute because they determined that the charge was not unauthorized. Paypal does not appear to have noticed that I never claimed it was an unauthorized charge, but rather sought their assistance in convincing XXXX that XXXX has already been paid. Meanwhile, XXXX refuses to communicate with me about this issue at all, and does not have a phone number available for contact so I can speak to a real person to resolve my issues.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC System claim I owe them XXXX for a XXXX XXXX XXXX bill.. XXXX XXXX XXXX took this same account off my credit profile XX/XX/XXXX XXXX and now IC system trying to say that I owe them this debt ... I wrote them a dispute letter and they're still trying to say I owe them ...

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 2020-03-10
Company: BMW Financial Services NA, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have found myself in the midst on an identity theft issue that has effected a credit report. a couple accounts were opened and inquiries added, although i know i have not applied or tried to open any new accounts BMW FINANCIAL SERVICES on XX/XX/XXXX with an XXXX balance is not an account i authorized. XXXX XXXX opened on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a chargeneral on my XXXX report for the amount of {$94.00}. I contacted the collection agency by the name of IC Systems Inc. and the advised me that it would be removed. This was threw months ago and it still reflecting on my acount.

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 2016-07-31
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Item sold on XXXX XXXX, 2016, posted that day, delivered same day with signature and PayPal are holding payment until XXXX XXXX, 2016 even though eBay say payment should have been released when the item was delivered. I have contacted Financial Rights and they say they can not hold payments and to contact Legal Aid. I have also contacted Financial Ombudsman Service and they also said they would contact PayPal about holding money with no cause. 
PayPal is holding the payment to collect interest off the money from their merchant accounts it is illegal to hold the money for 21 days with no good reason. PayPal have been sued numerous times during the last 15 years and still continue to practice financial process in their business. 
No other financial establishment holds customers ' money that long. If a bank practice this type of process they would be sued by their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: JPMORGAN CHASE & CO.
State: WA
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:
I received a text message starting with CHASE BANK ALERT, claiming that someone in another state was attempting to access my account. The link provided in the text requested loads of personal identifying information. I closed this account over a year ago so I am very certain the text and website are fraudulent. I am pasting what the text said below : CHASE BANK ALERT : We detected an unusual attempt at XXXX XXXX XXXX XXXX, AZ XXXX. If this was not you, use the secured link to verify your identity and secure your account : XXXX XXXX XXXXXXXX? Verify

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
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:
I have wrote to your company a few times and the last time was in XXXX of this year. I send you all of my information bank statements showing you and Citizens One Bank the same thing. They kept asking for a extension but only to come up with a lie on record. I send. the proof in your files showing that they have a payment that they kept and did not applied it to my account but keep marking my account of being late. Your office told me that they can't make them respond because they did it once. I need help they have lied to you and made your office look like a joke. Who can I turn to to get some help. I was given a few numbers from your office but they can't help me because I'm not late on my payments or in Foreclosure. I have been dealing with this for years but now you have the proof in your files showing that they lied and don't care about me or your office. Please tell me who can I go to for help in addressing this on going problem. I wrote to their Chairmen of the Broad they said that they would look into it but you see what they send you. It looks like someone at the Bank is stealing funds and they don't want to address it. 
Can you please direct me to someone or a company to can look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
Dear Sir/Madam, Recently, Scottrade Brokerage made the following disclosure to customers : https : //about.scottrade.com/updates/cybersecurity.htmlI would like to know if Scottrade Bank was also involved in this databreach. 

Sincerely Yours,

Company response to consumer: Closed
Consumer complaint received 2015-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Bankruptcy

Complaint:
Okay I put my son on my credit card years ago as an authorized user only. I recently had to file bankruptcy and we both ( myself and my son ) where shocked to see it show up on his credit report. He has file a dispute concerning it and I contact the credit card company. The credit card company told me there was nothing they could do about it and that it would remain on there for 7 to 10 years. I feel like this is very wrong. He was added only as an user and the credit card company agrees with that. I told them they never tried to contact him or bill him and they actually closed his card before I filled but the 3 late payments and termination of his card effected his score. Is that not a law to protect him from this? If not anyone could be put on someone card and get hurt by them being late with a payment. It sure was n't disclosed to me that the acts of me would hurt him. Would you please let me know if there is anything I can do about this. Also please info any other parents that may add there children to there cards that it can later show up on their credit report. All my payments I made over since 2008 did not help his credit score though.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020 XXXX XX/XX/XXXX Sent me a receipt that they charged my Wells Fargo business account {$19.00}. I immediately went online to check and the amount of {$19.00} was indeed debited from my business account. It was also listed as XXXX XX/XX/XXXX {$19.00}. I SAW THAT IT WAS ALREADY TAKEN OUT. On the XXXX at around XXXX XX/XX/XXXX, I had {$360.00} in my account. Keep in mind XXXX was already processed. But when I checked on the XXXX of XXXX, Wells Fargo recharged my card and put the XXXXXX/XX/XXXX charge of {$19.00} at the top again under pending transactions. Now my account had went down to {$340.00}. I called Wells Fargo and told them that I have the receipt from XXXX showing they charged me in the XXXX and that it was already debited. The teller on the phone insisted that I didn't know what I was talking about even after telling her I had the receipt and it showed a charge on the XXXX not the XXXX and that the money had already been debited. I got no where with the teller.

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 2016-12-20
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Over 2 years ago my identity was stolen. XXXX allowed someone to open a XXXX acct under my maiden name. I have not been that name in over 10 years. The account was opened in XXXXXXXX and I have lived in XXXX for over 10 years. No matter how many times I fax the documents that XXXX or whatever collection agency they turn it over too they do not fix it. Even though everytime I call XXXX and refax the documents they assure me everything is fixed and not to worry. I just went thru this in XXXX 2016 and I am going thru it again now as they have reported the XXXX act against my credit/SS # as a charge off which has totally messed up my credit. I call XXXX and nothing gets resolved. I call the credit collection and nothing gets fixed. I have faxed and refaxed the documents more times than I can count. What does a person have to do to get something resolved like this. I have more than proven it is fraud acct that I do n't owe and should not be responsible for. I have done everything I have been told to do and still nothing but a bad mark against me that I ca n't get anyone to fix!! PLEASE HELP ME!!! I have been calm, cried, screamed done everything!! EVERYTHING THEY HAVE ASKED YET NO ONE FIXES THIS AND IT IS DESTROYING MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: MO
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 fcra the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681 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 15 usc 1681 section 602 ( a ) states I have a right to privacy.

15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish a account without your written instructions. 
15 usc 1681 ( c ) ( a ) ( 5 ) section states no consumer reporting agency shall make any consumer reporting containing any of the following items of information any other adverse item of information other than the records of convictions of crime which antedates the report by more than 7 years. 
15 usc 1681 c-2. ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.

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 2020-12-27
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: Account information incorrect

Complaint:
UPON REVEIWING MY CREDIT REPORT I NOTICED SEVERAL ACCOUNTS ON MY REPORT THAT I HAVE NO KNOWLEDGE OF. THE LASTEST ACCOUNT FROM A COLLECTION AGENCY I HAD NOT HEARD OF NOR HAVE I HAD ANY WRITTEN INFORMATON FROM THIS COMPANY.XX/XX/XXXX HAS A HISTORY OF BELIVING WHAT'S REPORTED. I HAVE NO KNOWLEDGE OF A XX/XX/XXXX XX/XX/XXXX ACCOUNT I OWE ANYTHING TO REPORTING BY XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America was holding a few transactions which were small enough to keep my account from going into overdraft. They were processing these transactions for days until a larger paper check came through which resulted in a transaction reordering. This has happened before and should be illegal and really investigated like it was in 2012. Legislation under the Obama administartion was overlooked and the Federal reserve has done nothing to help the 8 % of the bank account owners from going into deeper debt. 

Transaction reordering should definitely be a crime and investigated to the extent! I just paid {$60.00} x2 for my XXXX credit card payments and over XXXX for a XXXX cable bill. 
' We need to put an end to this and rewrite these Algorithms which are making the banks richer and the poor poorer. They also started charging me a XXXX per month fee to keep the account after 12 years. 
Please help put an end to this and throw these crooks to the curb!

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 monetary relief
Consumer complaint received 2022-10-10
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I gave the company a check as a form of payment and the lady sent my check in before my direct deposit was put in my account and the credit union I bank returned it back to the company and now the manager at the loan company talking about everything is coming due all at once instead of putting it at the end of the installment payment because this is the first time my payment was returned because all my other payments was paid she is being difficult to work with on this account that I got approved with XXXX XXXX and tower loan is the finance company for them I only have XXXX payments left to pay but tower loan is being hard to negotiate with me please help me with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In response to a previous complaint, on XX/XX/XXXX XXXX XXXX in the Compliance Department stated the following. 

" The conversation ended with you scheduling a payment of {$4500.00} with XXXX XXXX. On XX/XX/XXXX, the XX/XX/XXXX through XX/XX/XXXX installments were deferred. As of the date of this communication, the loan is current, and the next monthly installment will become due on XX/XX/XXXX. '' Since then I have tried to set up recurring monthly payments but receive the error stating " Your account must be current prior to setting up recurring monthly payments '' However, as per XXXX XXXX, my account is current and has since been. I waited a few months, perhaps the website needed to update. In the mean time, I had to make manual scheduled payments to keep my account current. 

I emailed XXXX XXXX on XX/XX/XXXX regarding this issue with no response. I tried calling XXXX XXXX, but could not get a hold of her. 

At the end of XXXX I noticed that I could set up recurring payments again on the website so I did so and proceeded in confidence that my mortgage would be paid monthly as per the terms set forward in the recurring payments. However, today XX/XX/XXXX I see that the recurring payments were not set and now I have been assessed a late fee for a payment that was due on XX/XX/XXXX. 

It is due to Shellpoint 's inability to reply in a timely manner as well as website issues that have caused my account to not be current. Although I have made effort on my end to remedy this, it has not been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
NAVIENT continues to call several times a day from blocked numbers and various numbers around the country. I have made payment atangents with them and they still continue to call. They 've now started sending me letters advising they 'll take legal action and garnish my wages along with my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
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:
XXXX XXXX XXXX XXXX XXXX XXXX names not mine DEPT OF EDUCATION/XXXX Account XXXX Account TypeEducation ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedMar 2020 all student loans never late fcra violations XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute showing all late payment attach are the creditor wrong addresses they provided to the credit bureaus by law i have the right to pay on time fair debt collection practice that i have an opportunity to pay it on time

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 2020-12-27
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
Santander consumer Usa is under litigation. Nationwide class action lawsuit /settlement numerous of inaccuracies reporting Dates, Amounts, & actions to address the issue by me to the company and through the credit bureaus are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid Green Tree at any time stemming from this invalid loan and servicing that is not in good standing. Statements from Green Tree never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or XXXX, XXXX and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for Green Tree. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX Letter *Green Tree Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation