BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX - deposited a XXXX XXXX bill pay check from my son in the amount of {$46000.00} in my SunTrust checking account. On the bank check it had a telephone number to call with questions. 
XX/XX/XXXX - notified that SunTrust had flagged the {$46000.00} and sent the check to their fraud unit. They also closed both my checking and money market accounts. I had no access to any of my funds for weeks ; couldn't pay my monthly bills and mortgage ; had to take out a loan. Made many phone calls and visits to the branch to find out the status. No on could tell me why they were holding the check or when it may be released since it was NOT fraud. I finally received checks for the balance of the money market and checking account minus the {$46000.00} XX/XX/XXXX - Spoke with XXXX at SunTrust ; told me the check was on hold, possible recall but had no further information and could not refer me to anyone who might tell me what was the issue. I don't know where to turn ; I'm beside with worry because no one will help me. I'm facing serious tax consequences, which I can't afford, because I'm on Social Security, if I don't receive the {$46000.00} by XX/XX/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 2017-04-18
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Medical Data systems, Inc is attempting to collect a debt that I do n't owe nor have I ever established a contract with this company. You purchased a debt from a company that claims that I owe them but by you obtaining the debt does not legally bind me to owe you anyting, furthermore they are in complete violation of HIPPA and FCRA law which is violation of the 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 2019-12-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using my PayPal account for a few months, and since day one had nothing but trouble.They forced me to provide my personal information which was not required during account opening, but even after receiving all the information requested, they fail to process payments 60% of the time. Every time I call in and ask what seems to be the issue, I get a response that it’s a security concern and they can not disclose specifics. When I sold items, my funds were kept on hold as well, but at least they were released later on. Now I am trying to make a payment for a product I purchased on XXXX, and once again I am being told that for security of my account I can not make a payment. I don’t need PayPal to provide me security, I need PayPal to do what they claim they do, process a payment, since their largest share holder, XXXX, forces their sellers to accept payments through PayPal, which should be an antitrust concern addressed by DOJ as well.I was given a million different reasons why my payments are being blocked. “My purchase pattern is not consistent”, which means if I buy a $XXXX  toy for my son,  I can not buy him $XXXX  XXXX, because they are 8 Times as expensive and definitely can not buy a $XXXX watch. What PayPal is doing is criminal, and it has cost me a lot of money and aggravation. They feel that they are above the law, I hope that CFPB can explain to them that they are not.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
on XX/XX/2022 I was charged XXXX to a XXXX XXXX on PayPal this person got into my account and my money was taken off my credit card I have tried to get PayPal to fix this and they will not and they will not tell me why this happened or how this happened Paypal is now letting people rip people off and not doing anything about it this is now the second time this has happened and Paypal does nothing about it except say I am sorry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of violent crime. I am not responsible for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Meridian Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent XXXX, Equifax and XXXX a letter disputing the validity of the Bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item, so they removed it from their database. I then went back to XXXX, XXXX and Equifax on XX/XX/XXXX and showed them the removed Bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this Bankruptcy then it needs to be removed according to the FCRA. They have once again refused to remove Bankruptcy which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. XXXX have deleted bankruptcy since XX/XX/XXXX is still reporting accounts on my credit report in a Bankruptcy which is a violation, XXXX XXXX # XXXX and XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent Transunion, XXXX and XXXX a letter disputing the validity of the Bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item, so they removed it from their database. 

I then went back to XXXX, Transunion and XXXX on XX/XX/XXXX and showed them the removed Bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this Bankruptcy then it needs to be removed according to the FCRA. They have once again refused to remove Bankruptcy which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

XXXX have deleted bankruptcy since XX/XX/XXXX is still reporting accounts on my credit report in a Bankruptcy which is a violation, XXXX XXXX # XXXX and XXXX 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 2017-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank  of America investigator n amed  XXXX   XXXX  has left me a voice message claiming she has replied to my complaints, also she admitted it to me on the phone, so,,,,,,,,,,, in fact she is now held liable in her private capacity unless she can produce a bond or liability insurance, The response that she claimed she mailed to me is attached in this complaint in the PDF, Bank  of America  and  XXXX   XXXX , are guilty of information breach, I never consented to BoA giving my information to their co-contractor criminal friends!!! they gave my information to   XXXX  , and are using   XXXX   for means of extortion , ill g et to that in my next complaint, but anyhow, BoA and  XXXX  are using fictitious names as shown in the PDF which is a SERIOUS CRIME!!! my name is  XXXX   XXXX , not  XXXX   XXXX , im not a vessel or some type of dead entity such as a bid bond, performance bond, or a securities exchange, or whatever else they do in secret,,,,,,, trading peoples names as bonds and getting paid from the united states treasury and so forth!!! these micreants!!!     NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS  )  in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under  Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {&gt;= $1,000,000} fine.

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 2017-04-19
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am making a dispute against  Medical Data  systems in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8  ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request f or VALIDATION  made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to m y credit reports (  XXXX ,  XXXX , and  XXXX   ). This action constitute fraud under both Federal and State Laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX i sent a letter regarding inaccurate and unknown things on my credit report.To this day 30 days later i have not received a response yet.I feel like im being taken advantage of and being ignored of my disputes.Section 611 ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me my information was also impacted by the XXXX data breach and may have got into the wrong person

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 2017-04-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On   XXXX   XXXX   XXXX     the IRS withdrew a lien against me and my wife. I filed a dispute with Equifax and  XXXX  to have this lien removed from my credit report. Both agencies have reported the liens as verified even though I provided copies of the IRS form  XXXX  and this same form was recorded with the   XXXX   XXXX   XXXX   office on   XXXX   XXXX   XXXX   Transition removed this from my report within days of the IRS withdrawal however  XXXX  and Equifax have failed to do so despite submission of all of the legal documentation required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: United Revenue Corporation
State: TX
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:
I logged into my XXXX account on XX/XX/XXXX to see that a collection account from United revenue Corp was added on the XXXX of XXXX. The debt does not state which company it originates from and I also have not received any written notices for this debt. I am in a state of confusion because I truly have no idea where this debt is from and it is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Premier Holdings
State: FL
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:
I received a call from ( XXXX ) XXXX regarding an old debt back in XX/XX/XXXX-XX/XX/XXXX. The caller said this was a last attempt to find resolution and that my file was been sent to their legal department in my county the following morning for a judgement request. I was then transfer to someone by the name of XXXX XXXX who offered me to settle the claim or make payments overtime or face legal action within 24 hours. She made clear the file was in the process of legal action and only taking her options would stop that process. I asked for documentation in writing and she said they had sent a letter to previous addresses and to my address as well which I never received. As a matter of fact, it was the first time I had talked to these people. I asked for her phone number and she provided ( XXXX ) XXXX and she said her company name was premier holding and my case ID XXXX. I called the number back to get the address and verify dollar amount but the same lady kept transferring me to hold music then disconnect.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I don't owe or have an account with this company. They are looking for someone else that is associated with my phone number. I tried several times to get this company to stop calling my cell number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: SYNCHRONY FINANCIAL
State: MA
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 rewards from credit card

Complaint:
In XX/XX/XXXX, I received {$200.00} in rewards points for using my Gap Card ( Synchrony Bank ). The  points had already been used by someone else so they promised to refund the points in 1-2 billing cycles. In XX/XX/XXXX, I received an additional {$250.00} in reward points and again the points had already been used. I filled another complaint and I received the same response saying it would take 1-2 billing cycles. It has been 2 months and I can't use my rewards. I don't trust the issue will be resolved next month and I want my rewards back as soon as possible.

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 2017-08-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
Back in XX/XX/XXXX USAA switched me from a XXXX to XXXX card. However, their payment system still showed the defunct XXXX with a XXXX balance. I accidentally paid the XXXX {$2000.00} and their system accepted it - even though there was NO balance on it. I paid off the proper accounts and USAA refunded the {$2000.00}. But, a negative {$2000.00} appeared on the defunct XXXX when it should show XXXX - and why is the card they shut down still being shown on their payment system is beyond me. Service rep made up some story about " banks hitting the card ''. The {$2000.00} was removed from the XXXX and is now on the XXXX  card with fees and interest. No description as to what it is or where it came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit Please delete the items as soon as possible. 

Fraudulent accounts Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$140.00} Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX  XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$93.00} Fraudulent Experian Inquires Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/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 non-monetary relief
Consumer complaint received 2021-05-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank stole about {$1200.00} from me from my mutual fund, locked me out of my account. I have never been late with a payment and this is simply stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need help getting my property taxes paid as my mortgage company has been unable to for the past two months. I've been calling since XXXX since my loan was transferred over to Mr Cooper my mortgage company with a XXXX tax payment that was never made and is now overdue. I'm now in Tax Foreclosure territory, please let me know how I can pull the XXXX sitting in my escrow to make the payment on my county tax site as the money is just sitting there and they have failed to make the payment. I've called Mr Cooper 6 times and even the escrow department 5 times as they work with XX/XX/XXXX but even they are non responsive. They seem to not want to pay the taxes even though the money is there in Escrow to make the payment. Mr Cooper now has stopped responding to me, I've opened escalation tickets, called back time and time again and I don't know what more I can do or who can help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It appeared on my credit report that I had accidentally missed a payment. I paid it immediately and should be fixed. Hoping to remove this from my credit please. 


Thankyou

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