BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I contacted PayPal concerning a purchase I made that was not as described. I didn't know until then it was from XXXX. PayPal forwarded me the address and stated to mail the product back send them the shipping information ( tracking number ) and as soon as seller receives it, I will be refunded the XXXX paid for this item which I did. PayPal denied my claim sent me an email that stated " because we did not receive valid proof or tracking that you returned the merchandise '' I found this inconceivable since they reimbursed me the shipping charge. I spoke with customer service rep XX/XX/XXXX and he stated they confirmed the package still at airport in customs. Now I'm without the item and my money because of the instructions I received from PayPal. Furthermore they are the one who provided me the address in an email which I have the mailing international form that it was sent to that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act. California Rosethal Act. I paid my payment before the XXXX day on 4 payments reported by creditor strting in XXXX Two times I was credited on the XXXX day and the creditor reported it 30 days late. In XXXX of XXXX they reported XX/XX/XXXX payment 30 days late in retaliation to my complaint. 2 month after. I have sent them the proof. I was able to use the proof with XXXX  who removed the 4 30 day lates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM A VICTIM OF AN IDENTITY THEFT, XXXX XXXX XXXX XXXX HAS ASSIGNED THISA CCOUNT TO MS SERVICES LLC COLLECTION AGENCY. I HAVE NEVER HAD ANY ACCOUNTS AT XXXX XXXX XXXX XXXX, THIS ACCOUNT WAS OPENED FRAUDULENTLY AT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Open Dealer Exchange, LLC
State: MD
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:
On XX/XX/2020, I visited XXXX of XXXX to purchase a vehicle. I paid for the vehicle in cash. When I got home, I received an alert from my bank that someone had pulled my credit. I checked an found out that it was XXXX of XXXX. I did not give them the authorization to do so and have spoken to several people in the dealership with to no avail in having them to contact XXXX to remove the hard credit pull from my credit. It has affected my credit score much. I was never given a copy of the credit report that they pulled or any document showing that I gave them permission. The company that they used to pull my credit is called 700Credit.

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 2022-08-12
Company: EQUIFAX, INC.
State: AK
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, the below companies have violated my rights. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After researching refinancing options, I realized that I have been paying mortgage insurance for two years  when I do not believe I should've been. My boyfriend and I bought our home in XXXX of 2015 and we have made 25 total payments out of our escrow account to mortgage insurance for a total of {$4000.00}. 
When we purchased our home, we initially applied for a loan with the intent to put a very small down payment on it but were able to use money from a family trust to put down roughly 35 % of the cost and estimated value of the home. That being said, I realized while researching today that we should not have to be charged mortgage insurance once 20 % of the mortgage is paid off. Since we began our mortgage with more than 20 % of the cost paid in a down payment,. I don't believe we ever should've paid mortgage insurance and if that is the case, I would like to be refunded the {$4000.00} we paid. I also reached out to my mortgage company to see what they can do about it. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: MIDFIRST BANK
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX payments behind on my mortgage with XXXX XXXX Mortgage due to financial difficukties due to the pandemic. I requested mortgage assistance from my XXXX XXXX, ( XXXX ), who offered a number of different options, including adding the XXXX payments to the principal, or getting a XXXX  interest loan from the government to catch up, and the loan would be added to the back end of my mortgage. I spoke to XXXX a few times about what was required to submit my request and application and I provided what they asked for along with additional proof that my financial issues were directly cause by the pandemic. I was told that it would take XXXX weeks for determination. I thought I did due diligence. 
I evicted a tenant who was in the lower unit at the property after not receiving payment for XXXX months. I live in another state and had a trip planned in XXXX weeks to repaint, do repairs, and re-rent the aprtment. XXXX XXXX immediately changed the status of my property to " Vacant '', although I have XXXX other occupied apartments in the building. XXXX XXXX, ( an independent contractor with XXXX Inspections in XXXX  ), then broke into the recently vacated apartment and changed the locks, right after I had paid to have the locks changed. They posted a notice on the door that the property was now under the management of XXXX XXXX XXXX. None of the phone number listed on the posted notice for XXXX XXXX XXXX are answered. XXXX inspections do not aknowlege XXXX XXXX as an employe, or that they know who he is. I called XXXX and they admitted that they had listed the property as vacant and gave me a number for XXXX, a property preservation company that was supposedly handling my case. I called XXXX, and they had no information about my property, but they admitted that XXXX gives out their number very frequently. XXXX  is giving me the run around and, scaring my tenants by making them think my property is for sale/foreclosed and lying about who is managing the property while at the same time telling me that they " will work with me '' to find a way for me to better afford my XXXX late payments. They also sent me a notice saying that they require proof that the property is insured, although they pay my insurance policy with XXXX quarterly directly. I don't think harrassing my tenants or not telling me what they are doing is legal and of course it is immoral, not that I can expect that. Feel free to TRY to reach anyone at the telephone numbers provided by the property preservation company. What is my recourse if any?

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 2021-07-19
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I don't recognize this public record so I contacted the courts and they stated that the information I gave them didn't matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. I never filed bankruptcy ever in my life. This public record on my report is inaccurate and I demand that it gets deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Prior to covid 19 I had broken my hand and for most they could get through this me unfortunately I only have one fully functioning arm my right arm is about 99.9 % non usable that had started my late payments prior to covid I did go into a forbearance program with Mr. Cooper and at the time was never advised of certain things such as you can not have 3 loan modification nor can you refi during a forbearance program. I have tried to resolve this matter on several occasions with MR Cooper and comes to find that some mortgage info doesnt seem to be accurate which requires me to research 17 years of 3 different banks / services unfortunately with my situation I could never join the military to receive any help and there doesnt seem to be much help for others with a disability Im basically 35 thousand the cost of a new cheap car and I can receive zero help in my situation and I dont believe this is a fair act I lost family members during the covid out break and had to also be a care giver for my father that passed all Im asking is for the serviced to give me a chance to get back on track with my mortgage and they have refused to cooperate do to the guidelines that are set in place and Im pretty sure if I reach out to a law firm there will be justice there is no need for this to go any further other then corporate greed when at the end of the day they talk about something that doesnt actually exsist money its created out of thin air and we just pay the price back to inflation all I want is help this should not happen. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 I deposited a {$3000.00} personal check drawn on XXXX Bank using the Bank of America XXXX MA XXXX XXXX ATM. The check was presented and cleared the same day. However BOA put a hold on the funds. On XX/XX/19 I showed a copy of the cleared check and the withdrawal from my account and the hold on my BOA account to the Bank Manager, he understood the issue and told me to call customer service. I asked him where my money was since it was no longer in my XXXX account and BOA has a hold on it and it is not in BOA balance. He could not answer

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 2018-11-28
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX or before I closed my XXXX XXXX XXXX by phone. It was a secured card. My balance that day was {$1100.00}. The {$1000.00} security account was paid to XXXX XXXX reducing my balance to {$160.00} which I paid through my bank that month. 
The account was closed and paid in full. Subiscqkelty while I was in the hospital I started reciveing account statements for late fees starting with {$35.00} adding another {$35.00} each month. I did not have anyone alerted to pay a bill from XXXX XXXX because the account was closed and paid in full. By the time I saw and called the first bill was for about {$70.00}. They are now demanding over {$100.00}. 
I made three calls, one a month to fix the problem but was stone walled. No one called me back. I was not given a place to write or email. I was not allowed to talk to anyone who know what was happening or could fix the problem. All they did was threaten. 
When I closed the account a payment from my secured account of {$1000.00} was made well over the {$35.00} minimum payment needed for XXXX. My payment of {$160.00} was made upon demand constituting a second payment for the month of XXXX. I paid twice and they charged me a late penalty. 
As I attempt to get their attention they continue to add on charges every month to a closed account with a XXXX balance. 
I get the feeling in dealing with them that they are accustomed to such contemplates as mine and they have no interest is fixing the problem as long as they are making money. I am a senior citizen and feel I am being taken advantage of by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
- XX/XX/2018, I received word from my bank that they needed to check my credit report through Experian in order to move forward on a loan. I went online to Experian and temporarily removed the freeze on my credit report and my husband 's report that day. I received email confirmation that both reports had been unfrozen. -XX/XX/XXXX, I received word that the bank was able to get my husbands report, but not mine. I again went online to Experian and removed the freeze on my credit and again received email confirmation. The bank continued to be unable to access the report, so I called Experian where I was put on hold for 45 minutes. The first representative I spoke to again put me on hold. 30 minutes later the second representative answered. Despite explaining that the bank was unable to access my info the representative insisted that the freeze was temporarily removed. The bank again checked, and they were not able to access the account. I called Experian for the 3rd time and the representative then told me my account was going through " report maintenance '' and being " updated ''? and that they would be able to finish updating in 24 hours. I asked to speak to a supervisor and was told " he was in a meeting and would call me back '' I have not yet heard back from the supervisor.

-The representative also confirmed my concerns that when one has multiple checks on credit, your credit can then be negatively affected! There have been multiple checks because EXPERIAN HAS FAILED TO DO THEIR JOB ... this is not my fault, nor the bank 's. 
-The problem with all of this is that the bank needs the info by XX/XX/XXXX! I don't understand why my information, that I unfroze isn't immediately available to the bank. Because of Experian 's inability to provide MY information, I may be losing a loan on the dream home I'm ready to buy! Experian 's incredibly poor customer service now has affected my credit, my ability to purchase a home.

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 2018-05-15
Company: CORELOGIC INC
State: CA
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:
On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with them.

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 2021-11-10
Company: EQUIFAX, INC.
State: NJ
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 certified letters in XXXX, XXXX and XXXX with NO response from Equifax ofXX/XX/XXXX. These letters were informing Equifax the inquiries being reported on my credit report are not mine and I did not initiate. I also called Equifax and spoke with their special unit team who then acknowledged they had received my letters but told me they could not remove those inaccurate disputes. They referred me to write a complaint with the FCC as proof of not initiating said inquiries, and also told me they could not remove any without a letter from the FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Tate and Kirlin Assoc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Tate & Kirlin calls and texts every day from different numbers in the XXXX, XXXX and XXXX area codes. I do not answer because I know they are trying to reach someone else named XXXX based on their texts. I am not XXXX. I have no overdue debt and a very high credit score with no delinquencies. They clearly have the wrong number but will not give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX I applied and was authorized for my first American Express Platinum Delta SkyMiles Credit Card with rewards of XXXX bonus miles, XXXX Medallion Qualification Miles after spending {$3000.00} or more in purchases with the new card within 3 months and {$100.00} statement credit after making a Delta purchase with the card in the first 3 months. 
XX/XX/XXXX my total charges on the card equaled {$3600.00}. However, my first card was stolen in XXXX on XX/XX/XXXX and {$1000.00} of the total {$3600.00} was credited to a new replacement XXXX XXXX Platinum card with a different number. 
In XX/XX/XXXX and XX/XX/XXXX I made 4-5 calls to XXXX customer service and was told on more than one call by the representative ( in some cases after holding for a long time while the person spoke to the accounting department ) that I DID INDEED meet the required total charges on the card and I should be receiving the awards. On XX/XX/XXXX I was told it takes 3-4 weeks to correct this. It has now been 5 weeks and I still have not received any promised rewards nor have I received any communication from American Express about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX, I am contacting you about the compromising of my social security. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. I also attached my proof of ID. Please block and remove all information from my credit report within 4 days according to section 605 of the FCRA.

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 2022-08-09
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
After having some expensive car trouble, I put a large amount of money on my Barclays Delaware Credit Card. On XX/XX/XXXX, I noticed that Barclays Bank Delaware added a remark to my account, with no information. I called and spoke to a representative regarding the remark, as it dropped my credit score by XXXX points! They said there was no record of a remark on my account and I have never missed a payment, and that they never added a remark to my account. I was very frustrated because there was very clearly a remark on my credit report added by them and they said they had NO knowledge of it. I asked them to escalate the issue to investigations department and after a few hours, I got the same response. Barclays Delaware Bank claims they never added a remark on my account. I would like to have the remark removed and my credit score restored as I am no longer eligible for my housing with this drop.

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 2019-09-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
My daughter and I went to 5th 3rd bank to open a saving and checking account and while opening the account she told both of us that we were approve for a no interest credit card, she gave us papers to sign and said the card would be to us in a few days, we told hard that we did not want a hard inquire on our record and she told us that the bank only pull soft inquire. We wrote the bank with a complain and they said we have your signature on the forms so that is our problems. We were trying to fix our credit and they just hurt us by there person that lie to us. We just would like them to remove the hard inquire

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: JH Portfolio Debt Equities, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
JH PORTFOLIO DEBT EQUITIES , LLC et al. are continuing to report unverified, inaccurate, invalid, derogatory, and defamatory information about me. As a result, XXXX XXXX XXXX XXXX, dba, Chief Executive Officer, for JH PORTFOLIO DEBT EQUITIES , LLC, received three NOTICES OF DISPUTE AND DEMAND FOR VALIDATION and have ignored and/or otherwise have not provided validation or answer. XXXX XXXX XXXX XXXX, dba, Chief Executive Officer, and JH PORTFOLIO DEBT EQUITIES , LLC have not provided a consumer contract bearing my signature, nor has the collection agency answered any of demands in my disputes letters.

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