BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This began in XX/XX/2021 for an amount of {$30.00}. It was a purchase through XXXX using PayPal with a connected credit card with XXXX XXXX The goods never arrived. I submitted a claim through the XXXX website and did not receive a response. I then submitted a claim to the PayPal website and did not receive a timely response so I then Disputed the transaction with my credit card company. A month or so later PayPal, refunded the amount after the credit card company had already restored the balance. Apparently the credit card company never reversed their portion once PayPal fixed the issue. In early 2021, I was notified of a double refund by PayPal and so they put a hold on my account until I fixed the issue they are asking be to add funds ( {$30.00} ) to fix the discrepancy. I have contacted both PayPal and XXXX XXXX  multiple times. I have confirmed with XXXX that PayPal accepted the charge back. XXXX has reversed their original refund. I have provided screenshots from my account as well as the official letter from XXXX XXXX to PayPal with no change in the status of my account. When I spoke with them several weeks ago, they asked for my authorization to contact XXXX  XXXX  to try to sort things out as they claim they never received funds that XXXX pulled originally when I submitted the dispute. XXXX disputed this and can provide documentation apparently. I contacted the XXXX  at the end of XXXX and there has been no response from PayPal as of XX/XX/XXXX which was the original deadline. Since I submitted the XXXX complaint, my account is now blocked for PayPal. When I try to login it says my credentials are incorrect. I have not changed anything as far as my username or password.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19
Company: EQUIFAX, INC.
State: OH
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:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX-Branch XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Branch XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account has been re-aged and clearly there is no proper investigation as to what really happened here. The date is way back XX/XX/XXXX and 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 2021-06-04
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit score has a collection that don't belong to me. This was reported in XXXX  from a company called GMAC. Account number on file is XXXX. Amount for the transaction is XXXX. This was reported on XX/XX/19. I try calling the lender myself and they advise me that I don't have any history with them. XXXX  reported this issue and my confirmation number is 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 2017-08-31
Company: Check Security Associates, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XX/XX/XXXX I have received phone calls at work and on my mobile phone regarding a debt that is owed by alleged law firm. I have been harassed repeatedly. They have threatened legal action, and to serve me papers at my place of employment. Also, I have been left messages saying that they have contact the HR department as well. The debt is allegedly for {$100.00}. From my understanding, if a company has written off a debt and sold the debt to a third party, the individual is no longer responsible for the debt. According to the person who called, XXXX, this is from a debt that occurred in XX/XX/XXXX. The action I want taken is for them to stop calling my place of employment threatening to fax sensitive information. I have never received any correspondence in the mail or via email. I would rather see something in writing before giving sensitive information to someone over the phone. I have also been threatened with jail time as well, the individual I spoke with that day was XXXX. This happened in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I disputed Equifax on unlawful practice of reinsertion practices. After a previous dispute with EQUIFAX the matter has not been resolved in regards to the reinsertion policy nor did I receive documentation of the disputed item. I also never received documentation in regards to reinsertion from them as well. 
On XX/XX/XXXX EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. I made two attempts for them to correct this issue and they did not resolve it. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than XXXX business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans through Navient keep getting put in " Administrative Forebearance '' and interest keeps compounding. I have been paying these loans for close to 20 years which included wiping out a XXXX 4O1K retirement account to keep up on these loans. It caused a bankruptcy as well. Now I have the means to pay them off but the Forebearance interest is lowering my credit score monthly as that loan, I can not make payments on. I have tried to negotiate a settlement with Navient and was told by them that while they are being sued, they can not settle any loans. So now I am stuck with a loan that has compounding interest that I can't make payments on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves from my hard earned money. 

XXXX XXXX, PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward for your reply. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello there, I am having a difficult time with Coinbase.com and transferring funds to my bank account via wire transfer. 

I made a wire transfer withdrawal request on ThursdayXX/XX/XXXX at XXXX XXXX. from my coinbase account to my bank account. 


When I made the request, site said that the funds would be transferred that day (XX/XX/XXXX ). 

However, when I got the confirmation email, the confirmation email said that I would receive my funds by XX/XX/XXXX. 

I still have not received my funds in account as of XX/XX/XXXX. 

I have submitted a support case regarding this issue to support.coinbase.com. 
The case ID is XXXX. 

I received a reply to my support ticket from a Coinbase.com from a representative named XXXX on XX/XX/XXXX at XXXX XXXX. 

This is what the reply said : ===== Hi XXXX, Thanks for reaching out. This wire was processed just after the cutoff time for yesterday so you should receive your transfer today if you havent already. If you dont see the funds post by the end of the day today please let me know so we can investigate further. Thanks for using Coinbase! 

===== I have replied numerous times, continuing to state that the requested wire transfer has not been received. 

I have reached out to coinbase on every social media channel that I can ( XXXX, XXXX, XXXX ), as well as sent several emails and replied numerous times to my support ticket. I 've asked my receiving bank to check for a wire transfer coming into my account, at least 4 times this week, but there has n't been any transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this account in full. I have received a letter from the local judge stating that the case has been dropped and they still refuse to take it off of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Under the HIPPA Law, a HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction

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 2017-08-31
Company: EQUIFAX, INC.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is concern for not being able to access report online and the information displayed to verify my identity/account is not associated with me. In speaking with XXXX, ID XXXX to request a mailed copy of my report I was provided Conf # XXXX, and informed a report would be received within 10 business days. 

On or around XXXX XXXX, 2017, I telephoned Equifax to report missing checks, a fraud alert that was initiated by the bank and to confirm Equifax security freeze. On this date, I was informed that a credit report was processed and would be mailed ( Conf # XXXX ). I have yet to receive a credit report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian website does not allow me to recover my stolen account nor speak to anyone on the phone to explain the situation, only automated phone calls no matter how many numbers I try. It is very troublesome that something so critical and important is not/ can not be addressed directly with the company.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX, I sent a letter regarding inaccurate and unknown information on my credit report to the following credit bureaus such as Experian XXXX XXXX with the results stating that my credit report was verified and has been updated. My account information still remains inaccurate and needs further investigation. I feel that I am being taken advantage of when they can clearly see the errors on my account. I demand that these accounts be deleted immediately or I will file litigation due to the stress that this situation has caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong people.

If after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the re-investigation. 

Experian/XXXX  Inaccurate address/Account status Account # 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 2017-08-31
Company: WELLS FARGO & COMPANY
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We purchased a car from XXXX XXXX in XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX and received the loan from Wells Fargo. In early XX/XX/XXXX We received a letter from Wells Fargo Auto Finance stating that they are changing our bank loan and that it would have a different name, and would not affect our loan in anyway and that we did n't have to do anything. So we had no reason to be alerted because it was who had our loan. When our payment book was on its last payment in the book we were so excited, but when the payment was taken out each month after for some time I started asking questions. I cant remember exactly the date we paid it off, but in XX/XX/XXXX we went to buy our house and in going through the process we found out our credit report showed that we had refinanced our XXXX XXXX car loan when we had not. I called the company and the woman said I needed to file a complaint and to send it to a fax number she gave me. I did so but the fax number was a none working number. I continued to call and each time I did they 'd give me the number and each time same thing. 
We do not understand why we had to pay an extra year of payments or how we refinanced a car loan with out our knowledge or signature 's. 
Because of Wells Fargo doing this it dropped my credit score from a XXXX to a XXXX and cause so much hassle trying to get our home. 

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 2022-08-16
Company: EQUIFAX, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I contacted these companies to request proof & they have provided no information. They are required to delete these damaging accounts until validated. I have requested validation and they have not produced it. Additionally, I am sending dispute letters to Equifax requesting that they delete these erroenous accounts being reported on my File but have been doing nothing! Delete these now or I will take legal actions. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got a phone call today XX/XX/XXXX saying I was being sued from Chase Bank for a credit card that I apparently had opened in XXXX. I have never opened a credit card from Chase Bank ever I was in XXXX  during that time the only debt I had was from my student loans. Ive never received a letter a bill or anything from Chase Bank Ive never made a payment on this credit card from Chase Bank ever my first credit card was from XXXX  XXXX after I bought my truck in XXXX XXXX. I am reporting this because this is a fraud I never opened up a Chase Bank credit card account and I need someone to look into this because I do not want to get sued for something I did not do. I am reaching out to someone so they can help me resolve this issue Im not sure of the steps I need to take I did contact the legal services that said that I was being sued and told them that I never opened up a credit card under Chase Bank and they said they would be sending me paperwork to dispute this issue as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am having a problem with simple bank and there where fraudulent Activity from  XXXX  in my Account there was a complaint Filled for this before and yesterday   XXXX   XXXX   XXXX     Simple Closed My Cheecking Account for no Valid Respond. And I spoke to Simple Support team and the Agents wo n't talk to me or Provide me any Informal about my account why it was blocked and closed this is Illegal and what this bank is doing its Againts Customers Policy its not my fault there is fraud Activity and what the bank is doing is discriminating me Please Helo ... And I get   XXXX   XXXX   Benifits on this account it 's not fair what this bank has done to me I want for simple to returned all my ACH Checks back to my Payer or Sender please help.

Company response to consumer: Closed with explanation