BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: Paypal Holdings, Inc
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:
I have ordered an item on line with my paypal account ( credit card ), purchase under paypal protection, the seller never response to my email and my items never have been received. After one month trying to contact the seller my self and no results. I escalated the case to paypal on XX/XX/2020, was given tracking that case will be resolved on XX/XX/2020, I will be refunded. But on XX/XX/2020, checked paypal on line, the resolving date was pushed back to XX/XX/2020, called paypal customer services, spoke to 3 agents, the last agent was XXXX, no one were willing to solve the problem, spoke to the supervisor, XXXX, still unable to solve the problem. the date of case resolving just been keep pushing to the future dates. my refund has never been issued. 

Per paypal policy, this is under paypal protection, when customer filed a case and you give a day to resolve the case, you need to follow your promise. if you keep changing the case resolution day out to future, that mean you just play and game and never want to solve the problem. I have been a paypal customer for the last 10 years, never file any case, no dispute, this is the only one time, but was treat very unfairly. 
I need paypal to follow their promise and refund my payment now XXXX as promised on XX/XX/2020 )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX/XXXX/XXXX accounts. ( Please see attached credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, 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 have communicated with the credit bureaus on several occasions about the 14 fraudulent inquiries that I did not make that appear on my credit report/file as well as numerous accounts that were opened without my knowledge, authorization/consent. My FTC report # is XXXX. These accounts should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CMRE Financial Services, 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: Their investigation did not fix an error on your report

Complaint:
On Friday XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX office in XXXX XXXX, TX at XXXX. I spoke with a representative in reference to a medical bill for son thats reporting on my credit report in the amount of {$770.00} from a hospital visit on XX/XX/XXXX. I asked the rep if she could provide me with the information of the insurance they billed for payment so I can try to understand why this account is now in collection. She told me she was busy and had to look for that information. I called back again at XXXX and she told me again that she was busy and would call me once she found the information. I called XXXX XXXX XXXX and XXXX for an Explanation of Benefits for dates of service XX/XX/XXXX and only XXXX had one. XXXX denied the claim due to other health insurance which is correct because XXXX XXXX XXXX is my sons primary insurance and XXXX is secondary. I stopped by in person the XXXX Hospital and got a detailed hospital visit from that date of service as well as spoke to billing about the hospital bill and physicians bill. The billing rep told me the hospital billed for their portion but was not able to let me know about the physicians because they only handle the hospital portion. He was able however to tell me who to contact about the physicians bill. One I called the office that handled the physician bill they explained to me they did not have a bill for the dates of service in question. I the contacted CMRE which is the credit collections agency and told them that the company they are collecting for did not bill my insurance correctly and I legally can not be held responsible for that. I sent the Explanation of benefits to them and they are now investigating it. Ive tries several times to disputed this account with XXXX  but they keep stating the account is good. Im curious to know how they closed a disputed so quicky when they are required to reach out to the agency to prove validity of the account. I know for a fact they didnt do that because the XXXX XXXX no longer exists because it has been bought out by a new company. Im providing the hospital bill that was paid and on the same date of service of the physicians bill. Please help me get this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Albert Corporation
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/22, I signed up for a bank account with XXXX. I clicked through my son 's referral link, stating we would both earn {$150.00} after : -Receiving a qualifying Direct Deposit of {$200.00} or more every 30 days for 90 consecutive days.

-Spending at least {$100.00} or more on the debit card every 30 days for 90 consecutive days The attached " XXXX '' shows the requirements for receiving the bonus. 
The attached " XXXX & XXXX '' shows the terms & conditions, governing qualifying debit card spend and direct deposits. 
The attached " XXXX  '' shows that I've met these requirements within the terms & conditions. 
The attached " XXXX '' shows that the referral successfully tracked. 
The attached " XXXX '' shows that their system has failed to successfully tag my employer 's direct deposits as legitimate. 

I reached out on XX/XX/22 about receiving the bonus, and received a canned response, shown in " XXXX XXXX Despite all of this I'm receiving an apathy toward researching the matter. I'm hoping by filing this complaint, that the issue can be taken seriously, and that my son and I can receive our bonuses.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing this complaint with hopes that you are able to assist me. During the pandemic the president signed the " Cares Act '' which placed all federal student loans on a pandemic forbearance/suspension. To my knowledge all of my student loans are federal student loans so I assumed that all of my student loans would be placed in this status. The cares act with respect to the student loans was extended at multiple stages throughout the XXXX year due to the continued state of the Covid-19 pandemic. It was not until late XX/XX/XXXX that I pulled my credit report and noticed that half of my student loans were reporting as current and the other half was reporting as past due. I immediately contacted the XXXX company to find out what was going on. I spoke with a representative and I was informed that yes all of my student loans are federal student loans however half are owned by the Department of Education and the other half was owned by XXXX. I immediately attempted to rectify the situation by applying for a deferment which was approved. However reporting on my credit report are late statuses for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been sending my past due status and my monthly statements to an UNKNOWN ADDRESS, for which I am attaching those documents. FYI I was able to recognize the address discrepancy because during one of my conversation with a customer service rep she walked me thru accessing the documents online and I noticed that for some odd reason they were sending certain correspondences to my address XXXX XXXX XXXX but some to an incorrect address for which I have never lived XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I added this to explain why I was not more proactive in trying to rectify the situation before it even got to this point where the accounts were reporting past due. Whats wierd is they were sending letters to this address telling me they were unable to get in touch with me to the same address they were unable to contact me at. Looks like they updated my address since. 

Regarding : Account # XXXX Attaching 1. Cares act info 2. Screen shot displaying the past due statuses on my credit report 3. A few documents showing proof that notices were being send to wrong address.

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 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I SENT LETTERS TO THE CRA 'S ABOUT THE INACCURATE AND INCOMPLETE ACCOUNT THAT THEY ARE REPORTING AND REFUSED TO DELETE IT FROM MY CREDIT REPORT.I SENT XXXX ON XX/XX/2021, TRANSUNION ON XX/XX/2021, AND XXXX ON XXXX.IT HAS BEEN OVER 30 DAYS WITH NO RESPONSE WHICH IS A VIOLATION AND NEEDS TO BE DELETED.I HAVE ATTACHED COPIES OF THE LETTERS BELOW AS WELL.

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 2018-10-16
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madam : I am not certain if I am contacting the correct agency, but need assistance filing complaint against Wells Fargo regarding a mortgage. Shortly after hurricanes Katrina and Rita ( 2007 ) my mortgage was sold to Wells Fargo- which is to say it was the start of my problem. Although I have a fixed 30 year mortgage for the past 2-3 years my mortgage payment has varied with Wells Fargo. After numerous complaints, Wells Fargo stated the reason is that either : ( 1 ) my escrow was underpaid ( although I did not have an established Escrow account ) ( 2 ) Wells Fargo stating the bank is now paying my Real Estate taxes- which I previously paid on my own for the past 18 years, and still will pay on my own ; ( 3 ) Wells Fargo stating the fluctuating amount is due to upcoming taxes of less than {$520.00} ; however, Wells Fargo is erroneously collecting as of today 's date over {$1000.00}. For approximately the past twelve months Wells Fargo has added initially XXXX to my principal and interest, stating the bank is now paying my Real Estate taxes which amount annually to {$520.00}. within the past 12 months, my total payments consisted of {$800.00}, {$79000.00}, and now {$740.00} although the

principal and interest of this account is {$650.00}. I do have {$550.00} in unpaid late charges to which its my understanding that I can pay at the end of the term of the loan, but it's my belief, Wells Fargo is collecting the additional fees to collect the unpaid late charges in additional to an overage for unknown reason ( s ). After filing numerous complaints with Wells Fargo I am told its the bank rights to collect the upcoming taxes. although the amount exceeds my annual real estate taxes. and that Wells Fargo has the right to collect and apply the overage to my principal without my authority. At this point, my monthly mortgage has increased from {$650.00} to {$740.00}, but five months ago my monthly payments were {$790.00}. Any assistance or referral you can provide will be greatly appreciated.

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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX/XXXX/XXXX accounts. ( Please see attached credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-18
Company: Rubin Lublin, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For the past several days XXXX XXXX is listing property with my street address as scheduled for a foreclosure sale in XX/XX/2020 on its web-site at : XXXX XXXX XXXX I do not owe XXXX XXXX any money, it has not sent me any written communication regarding its attempts to collect an alleged debt from me, and no alleged creditor has contacted me regarding XXXX XXXX having any right to collect any alleged debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
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 was late on a payment in XX/XX/XXXX on my American Express card. They raised the rate to a " Penalty APR '' of 29.99 %. It won't automatically decrease to the typical rate around 17 %. I was late again in XX/XX/XXXX and they are saying they won't even consider dropping the rate for another month - and only then I must show " stability ''.

I've been with them since XX/XX/XXXX. I'm struggling financially and last month was charged {$1100.00} in interest.

How is it possible a rate can be jacked up so high on a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital Account Collections has re-aged this account. The Date of Last Activity on this account was on, or before,  XXXX   XXXX ,  XXXX . Texas has a 4 year statute of limitations. Capital Accounts is reporting the  DLA  on my credit report as  XXXX   XXXX ,  XXXX . I finally checked my credit report and realized that this was going on. On  XXXX   XXXX ,  XXXX  I wrote Capital Accounts and requested that they remove this fraudulent info from my account. They responded with a single piece of paper containing my name, an account number, Creditor, and a balance - NO DATE. The paper from Capital Accounts did n't even contain a date that the paper was generated! I responded on  XXXX   XXXX ,  XXXX  that this was a second notice of fraudulent activity under Tex. Civ. Prac. and Rem. Code  Section 16.004   ( a ) ( 3 ). Capital  Accounts has not responded and they are still reporting this debt to the credit bureaus. This is a violation of FCRA  Section 60  5 (  c ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: NY
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:
This XXXX credit card when never opened by me and needs to be removed 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 explanation
Consumer complaint received 2020-02-27
Company: PlusFour, Inc
State: NV
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:
Per Ftc sec 609 credit agencies are not validating my account they are simply verifying my information

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 2020-02-27
Company: Experian Information Solutions Inc.
State: WA
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  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX/XXXX/XXXX accounts. ( Please see attached credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2017-06-12
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX 2016 I received a letter from Lineberger Goggan Blair & Sampson, LCC,  representatives for XXXX XXXX XXXX XXXX indicating that on certain dates in the months of XXXX through XXXX 2016 I made toll rides on the XXXX XXXX XXXX and at the time of the toll rides my account was at a XXXX balance. In talking with both the XXXX and its debt collection agency, Both these agencies instructed me to obtain documents that indicated that I owed the debt ( debt totaling $ 1600+ dollars ). Nither of these two agencies provided the information I requested in my written communications. After making one payment of {$580.00} the collection agency decide to make me an pay-off offer of {$530.00} which I did. So I paid of the $ 1600+ debt, I made a total payment of {$1100.00} with my XXXX . Then one month later, I get another demand payment letter from Lineberger Goggan Blair & Sampson, LCC, that two other toll violations made in XXXX ( which by the way were not originally included in the $ 1600+ invoice ) indicated that I owed an additional violation debt of {$160.00}. I wrote to the collection agency that I was protesting the invoice and the violations. I provided information regarding the licenses associated with the tolls, account statements, rental car receipts, etc. that proved that the travel dates indicated on the voice for which the violation occurred did match with the account statement showing the date entry, time entry, travel route, vehicle ID, and toll fee. My biggest problem and that neither one of these agencies responded to my request for more information. I was told by each representative ( verbal and written communication ) that I could make a request for more information, either through fax or written correspondence, which I did but as I said, to date, I have not received any documentation proving how I might owe the debt. This passing the buck back and forth between the two agencies when trying to get information has become very stressful. No one wants to pay such a large fee without any record of proof. As I said I did pay {$1100.00} of the $ 1600+ owned but now XXXX wants more .... without providing any documentation that supports their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
went  to US Bank  they said it is a bad cashiers check and went to  XXXX  to let them know of the fraud.

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