BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
After successfully using the  PAYPAL  website for many years, I recently had a very disappointing experience due to  2  claims filed by a vendor that i provided services for.  <P/>  XXXX   XXXX   XXXX  first filed a Non-receipt claim on  X/XX/17    (  XXXX  ) the claim was decided in my favor.  ( See  exhibi t 9 )  He then filed a fraudulent chargeback for the same payment on  X/X/17    (  XXXX  ) and Paypal, even though the first claim was decided in my favor and i submitted documentation proving my services were proprerly rendered, took the money back leaving my account in the red.  <P/> The language on  Paypal  's website misleads people into thinking they have more protection than they do. The language about protecting against fraud and fraudulent buyers is overly broad, when in fact the actual protection against fraud is very narrow. Not only are there misleading terms of non-existent protection, there is negligent omission of the frequent losses Paypal seller 's incur when fraudulent " quality of merchandise '' and fraudulent chargeback 's are enacted.  <P/>  Paypal  has a legal obligation to make it clear that : a. ) Chargebacks are common.   b. ) Seller is out of luck and stands to lose almost unlimited amounts of money and goods and that Paypal offers no protection whatsoever from this.  <P/><P/> I ONLY agreed to receive payment for services through  Paypal  because i had a REASONABLE EXPECTATION ( based upon Paypal 's terms of service and other language on the website ) that i was going to indefinitely keep the money Paypal sent me. If one does not have an expectation to indefinitely keep Paypal monetary transmissions, there would be no reason to receive payments based on this. If Paypal funds are not mine to keep permanently, but are in fact merely loans,  Paypal  should make this VERY CLEAR in conspicuous places.  Paypal  should inform that funds dispersed to sellers based on credit cards, are potentially temporary loans, frequently subject to retraction, based upon the whims of the credit card holder. Paypal should warn the Seller, that it is a frequent occurrence that Sellers send goods, receive payment, but then have to forfeit the same payment amount, back to Paypal, and as frequently happens, lose their money and goods.  <P/>  Paypal  says they protect against fraudulent buyers, and against fraud, but a fraudulent chargeback is fraud, and you offer no protection at all.   This is a clear case of  " Det  rimental Reliance ''  since i relied on Paypal 's misleading statements and contractual relationship to my detriment. I had a reasonable expectation to keep the money  Paypal  gave me when i rendered services to a customer, but Paypal unduly allowed for those funds to be taken back, with no regard to the possible fraudulent nature of chargeback claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX ,  XXXX ,  XXXX ,   XXXX  , none just now looking at my credit report I had identity theft someone been using my social

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX my debit card was charged {$1000.00} for a second time. I had previously made purchases on XX/XX/XXXX-XX/XX/XXXX that were already charged to my card. Coinbase sent me an email on XX/XX/XXXX stating that they made duplicate transactions on all XXXX card members and refunds would be issued as soon as possible. 4 months later I haven't seen a dollar yet after communicating back and forth with them through numerous emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
chase card  XXXX   reported a joint card I had with my mother ( deceased ) as a charge off, I was making payments to   XXXX  Cha  se  then they turned over the account to a company called  XXXX   (  collection agency ) even though I was making the payment for my deceased mother, I continued to make payments to  XXXX  until I saw that   XXXX  Chase  charged off {$2200.00}, the balance due now is {$710.00} that I will payoff when they remove the charge off from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: TCF NATIONAL BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TCF is failing to report my banking information to a company that I use to access funds in a timely manner. The delay in providing information is creating a delay I need to access funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was on a payment plan. I made the payments. The realtor said there was a buyer for the house. So I didn't make the next payment. The buyer back out so that left me behind on the payment plan. 
I asked to be put back on the payment plan. They said no. I need to complete a loan modification. I'm not needing a loan modification I need to be reinstated to my payment plan. I am able to pay according to the payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
Prior to XX/XX/2019 this Account was never reported as a derogatory account. I made a payment in full XX/XX/2019 trying to obtain a Mortage I was notified best action would be to pay the {$510.00} owed on this account! After payment and 30 day cycle of credit this account shows up derogatory in a charge off status in which dropped my credit score substantially in XXXX! As of XX/XX/2019 Ive received another drop of 92 point via XXXX  and 36 points via XXXX. This account debt has been paid in full since XX/XX/2019! As of XX/XX/2019 its reporting as charge off/ collection after payment to XXXX  XXXX . As of XX/XX/2019 its reporting charged off to XXXX. As Of XX/XX/XXXX this account is reporting closed paid off balance updated XX/XX/2019 to XXXX! As you can see the inconsistency listed above the effects on my financial future is due to wrong reporting practices! Please correct!!!

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 2017-06-05
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On  XXXX / XXXX / 17 , I spoke with a representative claiming to be a representative with  Navient Department of Education loan. I found their number through the   XXXX   search engine. The number actually called is a different one listed on the main search engine page. Once it was called, it switched to a new number. The representative asked if I was aware that FASA req uired an updated account with a new number. She said her name was  XXXX  and she would need my updated email address, social number, and annual as well as monthly income in order to speak with me about my loans. She made me read off  XXXX  confirmation codes received via email. She then held  a 15 m inute conversation with me concerning the reason I had been approved for loan forgiveness and requested a {$600.00} payment in order to freeze my current loans. I denied this option, and she asked if she could call me back in one week at  XXXX . I told her no, I was not interested and hung up the phone. She put me on multiple holds and has continued calling me from multiple numbers claiming to be part of the  XXXX   XXXX   XXXX . A few of the numbers are  XXXX  ( based in  XXXX   XXXX , fl ),  XXXX . I contacted  XXXX  to reset my password & username along with new security questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I opened an investment account with USAA bank. It was by accident and my boyfriend at the time had just gave me an early birthday/Christmas gift and had deposited it into the account. I called the bank when I realized it wasn't a checking account I had opened it was an investment account. They advised me that they were gon na closed it and send me my check. Considering XXXX is a lot to just wait to come. I waited. Fast forward to XX/XX/XXXX when they told me that my check should be delivered to my home sometime in late XXXX and it had already been sent out. I called them about 4 or 5 time and they kept telling me that it was not in their control. I even had the guy whose account it came from who was my boyfriend/fiancee at the time call and he got so fed up with them he refused to give them any more information and just wanted our money back. They refused to give it to me after already lying to me and telling me it had already been sent out. Then excuse my language but they blantly XXXX  and mind XXXX me into believing I was getting what was rightfully mine and my husbands back. And I still wait like an XXXX for {$4000.00} to be given back to us that they easily kept trying to tell me he reported it... as he sat next to be. As shocked as I was at how ridiculous these XXXX  sound. Trying to explain to me how they were WAITING for my funds to be reported as fraud. Keyword .... Waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: GA
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:
My identity was used to try and open several accounts without my knowledge or consent. I'm requesting the inquiry removed from my file. I'm unable to dispute using the online portal.

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 2021-06-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report. Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that XXXX, Transunion and XXXX investigate these non-account holding inquiries. In addition, I sent in a 30 day demand letter. It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from each of my credit report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my 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 2022-03-09
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 XXXX XXXX XXXX case # XXXX, XXXX XXXX case # XXXX ..., XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., and XXXX XXXX case # XXXX ...., has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you for helping rectify this situation. I feel at this point my rights have been violated. Please delete off all my credit reports ( XXXX, XXXX, Transunion ) immediately.

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 2021-06-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report. Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that XXXX, XXXX  and Experian investigate these non-account holding inquiries. In addition, I sent in a 30 day demand letter. It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from each of my credit report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my 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 2021-04-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
my online banking account service for citibank access blocked since 5 days ago i tried to call them more than 12h they did not give answer they did not respect customer rights any way they keeping me one phone call more than 60 minute every time then go without answering or even apologize i go branch XXXX in California myself giving them my ID to solve the problem but nothing my name 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 2022-04-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CHASE bank My name on the account is XXXX XXXX My account was closed and chase never gave me my funds its been over a month now going back and forth between phone calls and visiting branches almost everyday now and Im tired of this why cant anyone do their job and resolve this? Every time I go I get told to come back the next day they are reviewing the information. I dont want another account with chase ever again I Just want my money and I dont know what the next step I need to take is but no one can explain to me why their holding onto my funds and not sending me my money that I have every supporting document I could possible have to show you the funds and deposits before they closed my account! This is rediculous and basically chase is stealing my money over a month on a closed account and telling me they need to review the account? This was over a month ago and I get the same response every time I go to the branch or get on the phone with them! Is there someone who can help me and explain why u guys are holding onto my money on a closed account? They said they needed to review verify a tax refund check that I deposited in there that they cashed and put into the account but then soon after they close the account so I didnt even have access to this money but theyre still holding onto it and telling me they wont send it to me unless they verify it which I even had them call the Irs with me there to verify the check was good and everything and they still are giving me a hard time I have bills to pay and I dont have time to keep going back-and-forth to the branch every day or calling them and being on hold for hours a day this is not fair and its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
On XX/XX/XXXX I had a total of {$1000.00} that was debit from my Bank of American account from a company called XXXX XXXX Book. I called the number on my bank account they have listed XXXX. I was getting no where speaking to someone there so I did my research and wrote to them in a email and they reply to go through my bank to dispute the charges and they would work with my bank to retrieve my funds back to me. I filed a dispute with Bank Of American on XXXX XXXX they closed it out with out even taken the email from me I called back they reopen it I got a fax number to fax over what the company told me to do on XXXX XXXX. On XX/XX/2021 I reached out to the company and asked for a update I was informed they never heard from my bank and once again told me to tell my bank I want to dispute these charges and they would work with my bank to retrieve my funds. Today XX/XX/2021 I check my claim and they closed it out again after I have faxed them 2 letters showing the company was willing to work with my bank to retrieve my funds. I called Bank of American and asked why they are not putting in for a charge back I am told it was closed and I can write a letter for them to look at it again. XXXX goes through a company called XXXX XXXX I have been emailing XXXX XXXX XXXX XXXX and XXXX XXXX and he keeps telling me to go through my bank and they will work with my bank to retrieve my funds I have 2 emails from him stating this. Neither company seems like they want to put back my funds. I never used there service nor did I allow anyone to use my card.

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 2019-12-09
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief