BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I initiated a transaction with another user in PayPal. The transaction amount was {$2500.00}. I had the user refund the money through the PayPal interface. The balance of the transaction that was from my PayPal account was refunded but the remaining {$2400.00} was not refunded back to my account. Since the initial transaction I have worked with PayPal and my bank to get the refunded money ( {$2400.00} ) back into my checking account. PayPal keeps saying the card issuer has to find the money but the bank has traced all the IDs provided by PayPal and concluded that PayPal issued and then recalled the refund. PayPal keeps saying it is a hold on the money and the bank has to release the hold. The bank, XXXX XXXX, has provided PayPal with confirmation that the money is not on hold nor was it refunded to my account on several occasions now. The bank even provided a contact in the executive office for PayPal to confer with in regards to this issue. It has been over 4 months now since the transaction and PayPal has not made any headway on this much less resolved the whole issue. A previous CFPB complaint ( XXXX-XXXX ) was submitted for XXXX XXXX  to confirm that all actions that could be taken were taken on their part. The bank has confirmed there are no further actions they can take and that PayPal is responsible and liable for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX Equifax, placed a collection for {$290.00} from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX on my credit report. I disputed the collection and Equifax investigated and stated the debt was mine. I submitted a request for reinvestigation ( XXXX ) and again Equifax investigated and stated it was mine. I again asked for a reinvestigation ( XXXX ) and finally the debt was removed. XXXX XXXX, this same debt was placed on my credit file this time by XXXX I again disputed ( XXXX ) by a letter referencing all the above investigations and the debt was removed from my file. XXXX XXXX this debt has again been placed on my credit report by the XXXX XXXX XXXX XXXX. I have again submitted a dispute ( XXXX ) at this time the dispute is still pending. This debt belongs to a relative who 's name is similar to mine. However our names are not the same. I have even spoke to Equifax and the agent advised a notice would be placed in my file to ensure my social security number was on any negative information placed on my file. ( I can fax supporting documents )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX I went to a PNC branch ) XXXX to request a new XXXX PNC card for the one I had misplaced, The Bank employee who I did not know attended to this matter and then began to ask question about my employment, commenting as a lawyer I must make a lot of money and then asking me how much I made a year -- none of which questions did I answer. 
A week or so later I received a letter advising me that an account had been opened for me which turned out to be a line of credit -- which I NEVER asked for. I complained to the bank and on XXXX/XXXX/16 I was advised that my loan has been paid in full. There was NO loan and I asked that my records would be corrected to show the TRUTH. This was not done and subsequently I was advised that " my recent credit bureau dispute about information furnished by PNC, Bank National Association to the consumer reporting agencies '' had been resolved as a " soft inquiry '' rather than a " hard inquiry, '' There was NO dispute between me any credit bureau ; any " dispute '' could only be one created by PNC. 
When asked various time to correct my records to reflect the TRUTH, and not paper over then to the benefit of the bank -- that has not occurred. I then wrote to the PNC CEO asking for correction and of this time have had no response. My correspondence every step of the way is in the hands of PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: LEXISNEXIS
State: OK
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:
Please remove all fraudulent bankruptcies 1. They stole the info and didn't have a permisseable purpose to report it. I Wrote the bankruptcy court requesting them to tell you if they reported it to bureaus, they did not, I did not consent to it pursuant to 1681b. ( 2 ) .. I want all of the bankruptcies removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: PNC Bank N.A.
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I recently filed a complaint with your organization and received a response from my mortgage company. I do not agree with their findings. In their response letter, they stated in the section titled, Deed In Lieu Denial, " A letter ( copy enclosed ) mailed to you on XXXX XXXX, 2015 advised that you could accept the offer to pursue a Deed in Lieu. '' My letter dated XXXX XXXX, 2015 states, " Based on a review of the information you provided, you have been approved for a Mortgage Release ( Deed in Lieu ). I have contacted XXXX offices for guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: 3rd Generation, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
California Auto Finance continues to call me and threaten and harass me with the repossession of my vehicle XXXX times a day.The company is also contacting my friends and family members even after I speak with them. I am suffering from the backlash of the pandemic but I have never been 30 days late with my payment. I requested assistance due to these circumstances and was told that nobody is affected by the pandemic any longer and there is nothing that can be done if I am currently affected. California Auto Finance has also called and left messages about picking up my vehicle. They just won't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was a customer of TD bank in XXXX and they let bills come out of my account that werent authorized they ended up wracking up XXXX  bank account because of fees and paying for things that werent authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Other

Complaint:
I made application with Bank of America for a credit card on XXXX.I have a fraud alert in my account and called the bank at XXXX XXXX at XXXX XXXX XXXX to confirm that they had not called me at the XXXX XXXX XXXX number on my account to continue the application. the line is a land line number.I was also given another number to call XXXXwhich I called on XXXX XXXX at XXXX XXXX and XXXX. I was told that I needed to call thebank from the phone number. I was having problems with my internet connection ( my land line works via the internet and I was able to recieve calls via voice mail but I was unable to make any calls..I also called another number that was provided to me XXXX XXXX XXXX at XXXX on XXXX XXXX and XXXX on XXXX XXXX. On the XXXX I made the change with the credit bureaus to list my cell number of XXXX XXXX XXXX on my credit reports since it was going to take several days to get the land line connection fixed. 
on XXXX XXXX I was told by Bank of America that the credit card was approved. I WAS NOT told that they had run XXXX credit reports. I WAS VERY CLEAR that only XXXX credit report ( hard hit ) was to be pulled.Now on my credit reports it is showing Bank of America made XXXX hard hit inquirys on my credie report on XXXX XXXX and XXXX to XXXX and XXXX on XXXX XXXX to XXXX. This is so wrong! my credit score is excellent with all XXXX bureaus and making application for a credit card should not require XXXX hard hit inquirys. To be penalized because I have a fraud alert with the credit bureaus is wrong!. I spoke with a representative from Bank of Ameical yesterday ( XXXX ) she told me I authorized the additional inquiry and it would not be removed. I told her that was not true and the XXXX additional inquirys needed to be removed. I told her I wanted the record to state that I did not authorize the additional inquirys. she told me she would not add this to the file. This si so wrong. Bank of America has done this in the past. They are very casual when it comes to making hard hits on peoples credit reports. I was very clear that no additional hard hits were allowed. They record their messages and should backtrack on the conversations I had. The hard hits will lower my score and this in turn will affect what I pay on the XXXX insurance policys I have. I want the XXXX hard hits removed or to be reimbursed for the increases that I will oncure with my insurance going up.

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: Experian Information Solutions 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:
This is a follow up to previous dispute of the unverified negative items on my credit report. On XX/XX/2022, I mailed Experian a letter disputing 13accounts as erroneous ascertified mail with a return receipt requested. I received notification that Experian had received the dispute letter in the mail onXXXX. I have not received a response from this company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed.

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. 

I have enclosed the original letter Outlining the disputed accounts. 

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ). 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I live in XXXX and headed down to XXXX for the weekend. The only money I took with me for the road and to be over their was my debt card. Being over their i would be checking my account through the app because I would see how much money would be charged when I used the card at a store because obviously the money charge is different over their. When ever it was time to come back I went to the gas station to pump gas. When I was trying to use the machine outside it said declined. So I opened my account but it didn't say anything like if i did some transactions so I closed the app. What i mean by it didn't ask if i did those transactions because usually when the bank notices a unusual transaction it notifies me. So i went in to the store and it declined as well so i opened the app again and nothing. I went outside and checked my account to see what was going on. That time when I opened it it notified me of some unusual transactions. A company deposited in my account a total of {$5100.00} or so and then was removing all the money in parts. As in they kept depositing {$420.00} until they reached that amount then was removing the money in amounts of {$420.00}. Obviously I wasn't aware of it until that moment. But I couldn't say put that I didn't allow the transaction or else they would block my card and I wasn't going to have a way to go back home if that was the only card I had with me. So I said yes I was aware of the transactions and well the next day I called the bank because they didn't just removed their money but mine as well. And know the bank doesn't want to help me unless I have proof that I didn't do those transactions. But I have no way of proving that because I don't even knw what that company is about.

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 2017-01-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I fell behind on my mortgage due to my husband illness and unable to work. He finally was approved for XXXX and we were able to make our XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and late charge payment. We paid two months a head being that his XXXX check was not going to be relieved until XX/XX/XXXX which would allow me to make XX/XX/XXXX payment on time. I spoke to a representative to make sure they quoted me the correct amount to do so. I also requested an escrow analysis being that my escrow account was not setup correctly. My solar payment was supposed to be added as of XX/XX/2016 for XXXX and was not. The rep advise to save the difference in should be paying every month so that when I receive the escrow analysis it would not be a surprise. I then made my payment for {$7800.00} to cover XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment via XXXX. I followed up two days after to make sure it was applied correctly but it wasn'the the money was received but not applied. I spoke to representative who got her manager involve to request the payments to be applied. I called back on XX/XX/XXXX and the automatic system show XX/XX/XXXX payment due. I requested to speak to a live rep who was not able to assist me and transfered me to an account manager. I explained to the account manager my call would probably drop and ask if he can call me back if the call dropped. He said he 'll try. The call drop and no one called me back. I called again and asked to speak to a manager and was transferred to another rep namedo XXXX. I explained the entire story again to XXXX. XXXX said payments were applied to XX/XX/XXXX and XX/XX/XXXX and the rest to escrow shortage. I told him that was not how we made the payment and not what we were told would happen. He then told me he was not a supervisor and he supervisor can request to reverse the payment but my monthly payment would increase. I explained to him that I am aware that the payment would increase as now there is a solar payment added to my I 'm pounds and that why I requested the escrow analysis in the 1st place to have my I 'm pounds reflect the additional payment. I requested to speak with his supervisor. He then said he 'd spoke to her and allowed him to transfer the call. He transferred the call but after the 1st ring tone the call went to voice last name XXXX. I am very frustrated with the way my account is being handled and how I was being mislead. I fell behind due to uncontrollable sercumstances and all I want is to fix my account but no one seems to be professional enough to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft 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 2015-03-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am currently In the XXXX and my sensitive information stolen out of my vehicle XXXX of 2013. I was attempting to purchase a house and saw I had a chase credit card on my credit. I contacted chase and disputed the card under the grounds of I never received or owned a chase credit card. They proceeded to do the investigation and said that I was responsible for covering the charges. I currently have talked to multiple people in their chain of command and they all say I am responsible. I notifed them that my debit cards and my whole wallet was stolen with my social security card and all. They still said that I have to pay the total amount on the account. I do n't know what to do because I have never had this issue before and I do n't have a credit card other that my military one and my bank credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My name is XXXX XXXX, the company name is Regional fin., out of XXXX .and XXXX and XXXX, XXXX, there were located out side the XXXX XXXX XXXX , I return from XXXX, needed money to get home to XXXX, the company I.D . they self as XXXX, so this might build my Credit, I did not read fine print, all I want was the Monthly payment which was {$94.00}. for 18 months. I could do this. So I took out the loan XX/XX/XXXX, I kept paying the {$94.00}. monthly fee even when I was XXXX. So I stop ever thing XX/XX/XXXX, when I put in to my calculator {$94.00}. X XXXX = {$6900.00} to date. When I question them about it, and how much, I still owe, I want to pay off, they said I still own like {$1500.00}, on loan, I was confess then. So I went back to XXXX, that I show them and they took it away and shrewed ( cut it up ) it was 640 %, now it 's 450 %, but because I did n't pay off in the XXXX three year, and the Government say, they can not charge 640 %, But could charge 450 % + {$300.00} for Service fee, + {$200.00}. for application fee, which bring it up to {$1500.00}. + interest = {$1800.00}. total amount to be finance. So my payment was due XX/XX/XXXX, but because I was researching, and checking into my problem, of signing into this company, they started Collection Proceeding again me early.. Like I say payment was n't due till XX/XX/XXXX, on XX/XX/XXXX, they started calling me at the business place they are ( seniors, also ) contractor for Post Office, contracting me at the V.A. even trying to force they way in, while I was in bed getting treatment, called friends ( with hassizment ) and other, my phone I kept all phone calls by Regional Fin., Voice mail, internet mail, must be XXXX phone number they have for collection. Some day it XXXX calls night and day till now XX/XX/XXXX, threats and to do harm, by sending in XXXX XXXX, to collection from my home, over and about what I own, I tried to get help here in XXXX and XXXX, XXXX, even the Police are scared of the gangs, no attorney will take the case. I just turn XXXX year young XX/XX/XXXX to XX/XX/XXXX. CAN YOU HELP. thank you XXXX XXXX of XXXXXXXXXXXX my cell phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Rosebud Economic Development Corporation
State: MN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I actually knew the amount of the interest, but according to the Attorney General in Minnesota. The Lender 's I borrowed from are not licensed to do business in Minnesota. They are also not allowed to charge more than 33 percent annual interest plus a {$25.00} fee. I am currently paying for one at XXXX. 648.96 percent, and XXXX, a XXXX 414.77 percent. According to the Attorney General many lenders who do business over the internet or across state lines have claimed that they are not subject to state laws because they are tribally-owned companies. I also had a loan with Zoca in the South Dakota which had a high rate, but fortunately I was connected to a non-profit organization to pay them off with no annual interest fee. It was suggested by the Attorney General I contact the Federal Trade Commission who 's website directed me to contact 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