BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: Paypal Holdings, Inc
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 received a payment and as I was trying to withdraw the funds I received a message unable to process so I was trying to relink my paypal since I'm having trouble cashing in as I was doing the process many times the paypal message me that they will permanently limit my account and will not be able to use paypal I will not be able to withdraw and send payments. I was trying to email them and I was always redirect to the resolution center but no resolve button since they will permanently limit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
As of today XX/XX/XXXX an according to XXXX XXXX in the " ombudsman '' office which is an internal department of SPS, Select Portfolio Services has not processed the Deferral Agreement that I  signed and was received by SPS on XX/XX/XXXX and the loan continues to negatively report on my credit although I have paid the payments we agreed to on time. Select Portfolio Serving told me that it would be report current in the beginning of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Delta Platinum credit card through American Express that awards me with a companion certificate every year in return for a higher annual fee. 
I have tried twice now to use the awarded companion certificate, but due to the excessive red tape around this product I have been unable to use the certificate. It is now set to expire in two weeks and I do not have any travel plans within that time. 
The first time I tried to use the certificate was the end of XX/XX/2019. I had a business trip to XXXX, TX and decided to bring my wife along and spend the weekend exploring. I had a flight credit to pay for my ticket from a previously cancelled flight ( also paid for with the Delta Amex card ), but I was told I could not use the companion certificate for my wife 's ticket because I was using the Delta credit for most of my ticket. I was told I have to purchase the full ticket with my Amex card in order to use the companion certificate. I did purchase the original flight using my Amex card, but unfortunately it was cancelled and I was left with the Delta flight credit vs a credit back to my Amex card. 
The second time I tried to use the companion certificate was on XX/XX/XXXX for a quick weekend trip with my wife to XXXX California. This was a last minute decision and we were wanting to leave that same weekend. I was told I could not use the companion certificate because the flights I was trying to book were too soon. Apparently there is a rule within the excessive red tape that Amex sets up that says companion certificates must be booked two weeks prior to the flight. I can understand why this rule would be in place, however, seats were still available on the flight when I was trying to book even though it was just days before the flight. Why shouldn't I be allowed to use the certificate that has been awarded when there are still seats available? 
My general complaint is that the marketing done by Amex and Delta around the companion certificate award is clearly unfair and deceptive. I pay a higher annual fee every year for this card because of the companion certificate benefit. Amex then creates so many restrictions and red tape around this certificate that it makes it almost impossible to use. I would not be surprised if there are many other customers in my same situation that have paid a higher annual fee and have had annual certificates go to waste because they were not used within the unrealistic rules set by Amex.

Additionally, I filed this same complaint over the phone with Amex and was told that th
is will be escalated as need and I will likely receive a response in 6 to 8 weeks. Let me repeat that, 6 to 8 weeks!!! How is that adequate customer service???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Macys/DSNB XX/XX/2016 was on my credit report and I attempted to contact the company to let them kno wits not mine and they was not listening and di not care.

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 2019-06-17
Company: EQUIFAX, 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 have disputed a total of 17 derogatory items that do not belong to me with XXXX, Equifax, and XXXX. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different  spellings. The accounts are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX  11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX  15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following account does not belong to me : XXXX XXXX XXXX This is resurgent/LVNV fundings second time purchasing a fraudulent debt. I have attached proof of them dismissing a fraudulent account before that they attempted to verify. I am highly disappointed and I believe that some kind of disciplinary action should be taken. I will be speaking with my legal team today regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Midwest Recovery Systems
State: MI
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:
Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. Midwest Recovery listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: ONLINE Information Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello XXXX XXXX XXXX put a collection on my account saying I have a debt of {$67.00} that needed to be paid which I just went ahead and paid for it since I was NEVER notified it needed to be paid and also closed my account with them. They never told me that I had a extra amount that needed to be paid. And denied that they will remove it from my credit when I am the one not at fault here. They have my email and phone number on file they could of asked for the forwarding address which they decided not to contact me on. 

The address they where forwarding to was the exact address that I closed the account on and never gave me a EMAIL OR PHONE call to ask for a forwarding address they could send the letters to so I believe I should rightfully get this removed from my account since I paid this in full immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Navient Solutions, LLC.
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:
To whom  it may co ncern, Navient reported my account as  90 to180 past due which is inaccurate information. I have been on a repayment plan with nav ient for years now and was advised any late payments would be removed. Please update my credit reports reflecting this nevative information.   XXXX  Account #  XXXX  Dates :   XX/XX/XXXX  &  XX/XX/XXXX  -  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  & XX/XX/XXXX  - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to get additional information about which payments I 've made count towards Public Service Loan Forgiveness. Ever since I asked for this information, my monthly statements have shown that my payments that have counted have gone down. 

My billing statement dated XX/XX/XXXX reflected 65 payments counting towards PSLF.
My billing statement dated XX/XX/XXXX reflected 55 payments counting towards PSLF.
My billing statement dated XX/XX/XXXX reflected 47 payments counting towards PSLF.
I received a call earlier this week advising that they are working on an accounting of my payments and wanted to know if I was still interested in receiving it. This is absolutely absurd. I asked for an accounting in XXXX of this year and they have been unable to produce it AND are retroactively reducing what was previously determined to be eligible PSLF payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received two collections letters from XXXX XXXX XXXX ( aka U.S. Bank ) on behalf of U.S. Treasury. I promptly wrote to them and provided evidence of identity theft for data services. Instead of addressing the issue, they processed my information as a " inability to pay due to financial hardship '', and mailed me a 5-page financial statement form to complete.

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 2021-06-25
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I sent a certified letter to the creditor in which this complaint is about ; asking for a debt to be validated. On XX/XX/2021 I received a response that wasn't directly addressed to my concerns. The bill I received failed to list all the information that I asked in order to validate this debt that's said to be mine. The time frames listed on the bill are passed the Alabama 's statute of limitations for debt collecting. According to the FCRA, a company isn't allowed to report a debt that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 writing to dispute XXXX Account number : XXXX where I am only reporting as an Authorized User. This should not be reported in my credit report. This derogatory account is affecting my credit score. I am not responsible for the debt owed by the account holder. I have been disputing this account but XXXX continues to report it. The account closed, I no longer wanted to be associated with this account. I just want to remove me from this account. I am continuously reviewing my credit report. I need to be reported as TERMINATED in Bureau Code next time.

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 2019-06-17
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage has been with Ocwen for the last 10yrs, we have always paid our mortgage through their XXXX XXXX  XXXX  XXXX  with no issues on the 1st or 3rd of every month. Ocwen just went through a merger or purchased another company I am not sure the response emails have listed a XXXX XXXX  XXXX and we have not received any correspondence from XXXX XXXX  XXXX but when I called on XX/XX/XXXX to pay our mortgage the system did not recognize our account number and there is an automated message that says " you may or may not have received a new acct number please call our customer service line '' I made 3 attempts to call the number given XXXX each time I have been on hold for 25-30min there is a beep and the line goes dead, I called on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX with the same result. I also submitted a support request on the Ocwen website on XX/XX/XXXX, I received a system generated response to call the same phone number listed above and had the same result, the message also stated that someone from the mortgage company would contact me within the next 5-7 business days which has not happened yet. I want to maintain my good credit rating and all I am trying to do is pay our mortgage but we are unable to speak to anyone within the company and the phone numbers are not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: SC
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:
This bike was totalled and balance still showing in full. This case was handled by an attorney as my husband was involved in a XXXX. The company has failed to have this addressed. Our attorney XXXX XXXX XXXX have also tried to resolve. This was involved with gap coverage and was paid off. I have been denied employment and credit due to this. I have spoken to legal department and all. This account was not treated properly or handled professionally at anytime and covid caused it to be very difficult to reach anyone.

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 2018-08-17
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: Account status incorrect

Complaint:
There is a derogatory mark on my credit due to the following issue that never should have been sent to this agency : I am writing to submit a claim against XXXX XXXX XXXX XXXX in the amount of {$790.00} for a medical bill for my daughter that was sent to them in error. I have never received any written communication from the company in regards to this debt nor have I ever received a call. The debt was taken on consignment from XXXX XXXX XXXX, a billing company for XXXX XXXX XXXX located in XXXX XXXX, New York. I contacted the company on XX/XX/XXXX of this year after pulling my credit and seeing the derogatory mark. Upon some investigation I have found out that this debt should never have been sent to the collection company and I would like to dispute it.

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 2019-06-17
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is from a 2017 XXXX account was originally the creditor the account should not have went to collections because I was disputing the amount owed with the original creditors for service I didnt order with my original contract however the creditor refused to come to some type of resolution and sent my debt to diversified collections were I just paid balance in full so Im asking creditor as a courtesy can they please remove this derogatory remark off my credit file and stop reporting this to credit bureaus Also I am currently a XXXX customer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried numerous of times to explain to this creditor that I have no knowledge of what I am being ask to pay. And I have asked to get this removed from my credit because it is reflecting and hurting me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: FIRST ADVANTAGE CORPORATION
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Information on my background check is inaccurate. The background check under my social security number and name brings up a address and information in XXXX, Arizona - XXXX County. I  have never resided at that address, and I fear that the information is not mine, and may reflect on other background checks and credit information. Here is the information : Record Source XXXX COUNTY SUPERIOR AND JUSTICE COURTS Search Results No Record Found Search Type FELONY & MISDEMEANOR RECORD SEARCH Date of Search XX/XX/XXXX Search Period XX/XX/XXXX - XX/XX/XXXX Address Covered XXXX XXXX XXXX XXXX XXXX XXXX Address City Covered XXXX Address County Covered XXXX Address State Covered AZ Address Zip XXXX Location XXXX XXXX XXXX XXXX XXXX COUNTY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to Capital One Bank, back in XX/XX/2019, about a credit card debt they are falsely reporting to the credit bureaus. I spoke with the fraud department and was told they would investigate and get back with me within 45 days. I never heard from the company via mail as I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Experian Information Solutions Inc.
State: CA
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 very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Experia failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. 
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 2019-05-18
Company: JPMORGAN CHASE & CO.
State: OK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase has discontinued fraud protection by removing the ability to dispute unauthorized charges. Their online form is no longer available directing you to call, which then informs you that charges sometimes have " different labels '', but no options to dispute charges that are known to be fraudulent. This follows what I consider to be harassment by the " Fraud department '' that forced a new card number on me despite no problems with my previous number, only Chase 's refusal to send a new card upon expiration. Now I have a new credit card number that has been promptly compromised with no option to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Protfolio Recovery Associates LLC bought all my charged off credit card debt. They can not collect a debt that they purchased for pennies on the dollar. They are not a collection company. They tried to sue me once, I got a laywer to dimiss it. They call me at least 10 times a day at my work and my cell which they never had permission to contact me. They call my daughters phone number, which i never gave them permission to contact her. They call from spoof numbers that are local with my area code. They have now gone and placed these items on my credit report. I have disputed it with XXXX and XXXX but they will not remove it. I dont owe these people anything and want them to stop harassing me and remove this stuff off my credit report. I have blocked their numbers as they come in, I have over 100 numbers from my area code blocked in my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried to settle this before. I am XXXX and on SSI. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on SSI but they still destroyed by credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation