BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The company recently was bought and is transitioning to a new website. I attempted to log into their website and was then notified they had transitioned to a new site. I had to create a new account and etc. I use a credit union and the account information I enter with some institutions, I can omit the zeroes at the end of my account and some require them to be used. When I put in the account number apparently it was incorrect by XXXX standards and I was charged a XXXX NSF fee. After seeing the fee, I checked the old website and miraculously that website was active that day and I was able to log in and make a payment. I scheduled a ONE TIME ACH payment for XX/XX/XXXX. A day or two later when I attempted to log into the old website, it again prompted me they had changed and I had to go to the new website. Upon logging in, I saw no record of a XX/XX/XXXX payment being scheduled and that my payment information was showing REOCCURRING payments starting on XX/XX/XXXX. I did not authorize for reoccurring payments nor schedule one on XX/XX/XXXX. Secondly, now I will be charged late fees due to the switching back and forth of websites and never knowing which one to use. During my customer service experience, I had one CSR close an online chat and said call them if I needed further assistance. Also, this is the only company I use that charges me to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
im make this complaint becomes again this company keep lying about my payments extra charges made up and no explanation of where is the money they claimed I owed them on XX/XX/XXXX I got a loan modification and XXXX XXXX XXXX put more than $100,000 into my loan a house was worth $XXXX So my new balance was $XXXX  the second loan they put on I was no to pay any late fee or any extra charge but right after XXXX XXXX XXXX did try but they could do it so they got this company shellpoint Mortgage servicing to do it same tactics lying and sending same paper to say the are helping me or they tried to answer my complaint before I got this loan modification my wife did bankruptcy even that I proven that my wife was not in the loan they keep bringing the same argument I m supposed to be in my loan modification but they try to say im not so they charge again or change me again higher my principal balance again they sent me statements from before XX/XX/XXXX when everything was supposed to started again why they do not answer me with what is the mount I owed them after XX/XX/XXXX I send them the prove rhat my wife was not in the loan but they keep bringing a paper a fraudulent paper whiten with a pensil some one added with his wife why all the paper from XX/XX/XXXX when I got my loan doesn't mention my wife at all I sent you that prove too because she was never in the loan you are making this lie to break my all loan modification I did ask for a new modification why you want to put me into another one

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2019,  I called my HELOC loan servicer, Rushmore loan Management Services, to request that they no longer withdraw this amount of additional principal that I had requested several months before. I requested Rushmore stop withdrawing $XXXX additional principal. I instructed them to only withdraw an additional principal of $XXXX. Their customer representative informed me in XX/XX/XXXX that it was too late to make the change before the XX/XX/XXXX payment was due,  but the change would take effect in XX/XX/XXXX. However, in XX/XX/XXXX, Rushmore withdrew $XXXX more than I had authorized.  I disputed the additional principal with my bank which upheld the dispute. On XX/XX/19, I received a  letter from Rushmore threatening to put me a "certified funds only" if it happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Waypoint Resource Group, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this company XXXX XXXX in the  beginning of XX/XX/XXXX because I never had an account sigh the company they are trying to collect funds for and they verified it was mines so I did what the XXXX credit bureau agency told me to do and called waypoint XX/XX/XXXX and gave all information needed they stated they have no record of me in their system then all of s sudden had found information and i have them my previous and current address which didnt match their systems being that the address i gave them XXXX XXXX XXXX that i been living at since XX/XX/XXXX and recently moved to North Carolina and they said they couldnt tell me anything about the account because that isnt the right address which I dont know what address they are looking for me to verify and i asked why are they reporting a debt thats not mines on my report and they could not answer at all i also in XX/XX/XXXX sent them a debt validation letter under my fair debt collection reporting act and never got anything in response by law i should be able to get documentation showing me how the debt is mines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: ERC
State: TN
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 never receive any notification from this company that I owe a debt. I receive a copy of my XXXX report and this company was listed as a debt collector. I never receive a letter or no notification of this debt and has no knowledge that I owe XXXX. I am still a customer of XXXX for over 10 years  and when I contact the company they have no knowledge of this collection agency try to collect a balance I do not owe.  This collection agency is not license to collect in the state of Tennessee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am constantly harassed by this company with phone calls and U.S> Postal mail for them to try and collect a debt that I no longer am liable for through my bankruptcy over 7 years ago. If you look at my credit reports you can see that there is no debt that is on any on my reports. But this company continues to harass me to the point that if the CFPB does not stop this I will have to call the police. I actually tried calling them and asking them to remove my account completely and the call center they use in XXXX were completely rude to me and said " No I owe them money ''. Which Is obviously not true and a tactic they are using to swindle people out of money that people are not liable for any longer. The letter they sent also said that the Division Manager is a person named XXXX XXXX. When I asked to speak to this person the representative on the line said there is not XXXX XXXX. This company needs to be investigated ASAP. I want my account completed removed from I do not want be contacted once more otherwise I will file harassment charges and I will also contact the federal agencies that oversee these types of company 's

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2019-09-10
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 I signed an extension agreement to skip XX/XX/XXXX payment. They sent the email with the agreement to skip the payment, i immediately signed the agreement and sent it back via XXXX XXXX. Kia emailed me back with confirmation that the document signed and filed. I have the email to confirm. They said we will resubmit the approval. I said I have proof that it was signed. My account is now 22 days late as the collections department contacted me on XX/XX/19 stating I was behind. I have an agreement with them and they do not want to honor the agreement.

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 2018-05-10
Company: EQUIFAX, INC.
State: GA
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:
Equifax sent me a letter stating that they found in favor of the companies that made these hard inquiries. I still cant log into equifax as they state my answers dont match. I feel they should have to provide proof of my requesting these companies to pull my credit. Most all web sites force you to sign up for an account just to view what they have to offer. At no time did I authorise the mentioned credit inquiries. None of these were utilities or any of the other excuses equifax stated in there letter to support declining removal of these fraudulent hard inquiries. I also find it odd they mail me a letter declining to remove these inquiries but I cant log in to dispute there findings nor did they inform the federal bureau of consumer protection agency that they had founded against me and closed this case

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Carter-Young, Inc.
State: GA
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:
Carter-Young Inc is incorrectly reporting a bill for {$210.00} for XXXX XXXX. I told them the bill was not mine. I am a current patient at XXXX XXXX and called them. They sent proof I do not owe them anything, my account is in good standing and that they in fact owed a credit to ME!! They said the account numbers didn't match. XXXX XXXX stated they do not have ANY acct number that matches the beginning numbers of # XXXX that the collection agency is reporting. XXXX XXXX sent yet ANOTHER letter stating that they searched ALL databases and I do not owe a bill. Carter-Young will not remove this bill even after they have received proof from XXXX XXXX stating I do not owe it. I sent copies of the envelop the letter came in, the letter, the ledger and the info regarding the refund they owe me and I am still fighting with this collection agency. It it unfair. I do not owe this money and they refuse to accept that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX has not supplied any proof of contract showing the signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I discovered that this collection was on my credit report XX/XX/2021. This negative account in the amount of {$180.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
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 contacted the bureaus in regards to my credit score dropping significantly and the amount of hard inquiries that were on my reports. I have contacted the bureaus about my concerns and I have a number of hard inquires on my reports that I did not authorize and they will not remove them from my reports which is hindering my scores. I also contacted them regarding my score dropping 90 points when there were no changes in my file. I would like this resolved and for the hard inquires to be removed 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 explanation
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi XXXX  XXXX XXXX  ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the XXXX credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2019-01-15
Company: Commonwealth Financial Systems, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a deletion letter from the Collections agency, however, the derogatory remark was NOT removed from my credit report. I am recently divorced and am attempting to refinance my ( and my children 's ) primary residence, I can not complete the process until this is removed. XXXX has not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: 1st Franklin Financial Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan with first franklin in XXXX al I have received multiple call and voicemails in one day to the point of feeling harassed, I had explained that I changed jobs and would be needing time to get back on track was not a problem till it was late and spoke to several of the girls there they were very hateful with me and threatened legal action because I rolled into a new month told her I have been with them for years and they have made a lot of money off me and that they would get there money on my pay day which was a few days later the girl said she could not guarantee I would not have legal action taken against me I told her if they needed to threaten me over a balance of a few hundred dollars to go ahead she continued to be hateful told her she would get Friday and that I did not need to be treated like someone who does not pay my bills, I then received a letter from the branch manager stating the same. I worked in this industry for years and I know that there are several rules violated here and reach out to the company which tried to call me several times I dont work hours that I can receive there call so I never got to talk to them a few weeks later I received a letter saying they tried to reach and assume that this matter was resolved I feel I was treated unfairly and know that they have had issues in the past with reporting and threatening customers these tactics are childish rude and uncalled for. I will be paying my loan off which by the way is current and never doing business again with them I hope some one stops this and monitors this company better they need to be shut down and stopped for good

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account inmy name, that's why I'd like to note this to try to correct this in my credit record. Please help.

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 2019-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
XXXX XXXX accounts belonging to my spouse are being reported on my Credit File, I am only an authorized User on all XXXX XXXX accounts and they are being reported as current on my credit file and should not be on there at all, he removed me as Authorized User. All XXXX XXXX accounts should be removed from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am making against BBVA. My father obtained a HELOC in XXXX when the bank was called Compass Bank. He paid the loan off completely, but the bank failed to properly close the account and release the lien. My father and mother were unaware of this until recently. My father passed away in XXXX. Now, my mother is trying to get another loan with the house as collateral. We found out that there is still a lien against the house during the application and closing process. She can not close on the new loan until BBVA releases the lien. I called BBVA probate department approximately one month ago. They confirmed that the HELOC my father obtained in XXXX was completely paid off. I requested that they properly close his account and submit a lien release. I submitted all the requested paperwork immediately. However, they still have not closed the account or released the lien 6 weeks later. I have called back serval times requesting an update. I filed a complaint last week with BBVA customer service. Customer service assured me that the problem would be resolved within 72 hours. I called customer service again today in order to follow-up, but no body is taking responsibility. I keep getting transferred to another department or hung up on. Every time I speak with someone, they say they do not handle this particular problem. The client care solutions department has not been able to figure out who I am supposed to talk to. I have requested to speak to a manager, but the representative says they are not taking calls or they are not available. If the client care solutions department can not handle the problem, then I have no other recourse. I do not live near a physical branch were I can submit a complaint. I have no way of getting my problem solved. Therefore, I am submitting a complaint in the hopes that you can investigate BBVA 's failure on multiple levels. First, they did not close the account properly and never released the lien when they should have. Second, it has been 6 weeks and they still have not resolved the issue or been able to give me an update or estimated time in which it will be resolved. Third, even though I submitted a complaint, the client care solutions department had not taken responsibility in solving the problem. Fourth, I have been unable to speak to a manager every time I requested to speak to one.

Company response to consumer: Closed with non-monetary relief