BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Dear officer, I am bringing up this matter to you so you can help collect my money from XXXX/PayPal. Com. 
On XX/XX/2019, I tried to purchase refurbished Trimmer for {$59.00} but XXXX said the sale was 'Incomplete '!!! But they deducted {$59.00} three times and since then I have emailed them to refund my total {$170.00}, but they would not, and ignored. 
Please help me recover money and spmething, some law should be in place to punish big business like XXXX/PayPal. They rip off unsuspecting innocent Consumer and make millions of dollars like that. 
Kindly, help me in this matter. 

XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Credit Collection Services in  XXXX , MA about a debt they claim to have that is suppose to be mine. I reached out to them as soon as I got the letter and sent a debt validation letter where they are required to : Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.  <P/> I also asked for proof of them being licensed in NC where I live and is a requirement for debt collection to be licensed/bonded here in order to try to a collect debt in NC. I only received a letter back with no proof of being licensed, and debt not being validated correctly per the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: JPMORGAN CHASE & CO.
State: OH
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:
ACH credit on XX/XX/XXXX from XXXX XXXX XXXX for {$1000.00} ACH debit on XX/XX/XXXX from XXXX XXXX XXXX for {$1000.00} Former employer ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX was my past employer in which I quit due to him fraudulently not paying my commissions to me. I had this credit on XX/XX/XXXX for which I thought was previously owed commissions or residuals possibly from an audit etc. <P/>On XX/XX/XXXX without my knowledge, a debit was made for {$1000.00}. I have a joint checking with my spouse with him as the primary. <P/>How is any person/entity/or company authorized to debit my account anytime they wish without my knowledge or consent! I tried contact JP Morgan Chase and with no results or answers. <P/>I contacted my former employer and he referred me to the XXXX XXXX XXXX and again received no answers. <P/>No one in any of these parties had my or my husbands authorization to withdrawl funds from our bank account. No one having my account or routing number is authorized unless I give permission to withdrawl any funds that I have in any of my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16
Company: SYNCHRONY FINANCIAL
State: TX
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:
Called to file and investigate the dispute. I was advised my information not matching the application that was filed.

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 2019-10-16
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Im writing because I noticed that my most recent credit report contains a late payment of 30 day in XX/XX/XXXX of this years i call region back in XX/XX/XXXXof this year to change my payment due date to the XX/XX/XXXX of each month and also to set up an auto pay that never took place in my head i am thinking i am on auto pay and auto never took place i have the loan for a long time never miss a payment always made my payment on time. 
Id have an excellent repayment record.

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 2019-05-24
Company: CORELOGIC INC
State: TX
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:
There are several mortgage companies, and banks that have pulled hard inquiries on my credit report with all 3 bureaus that I DID NOT authorize. I reached out to all the companies in question, and they told me they would look into it. Not one bank nor mortgage company did anything about the hard inquiries or contacted me back. It is very frustrating when you didn't give anyone permission to pull your credit, yet the credit bureaus will not do anything about the unauthorized inquiries on my credit report. Below is the name of the companies who pulled hard inquiries without my knowledge. 

1. CREDCO- ( Pulled Credit -XX/XX/XXXX ) 2. XXXX XXXX- ( Pulled Credit -XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) 3. XXXX - ( Pulled Credit -XX/XX/XXXX & XX/XX/XXXXand XX/XX/XXXX ) 4. XXXX XXXX ( Pulled Credit - XX/XX/XXXX ) 5. XXXX XXXX - ( Pulled Credit - XX/XX/XXXX ) 6. XXXX XXXX XXXX - ( Pulled Credit- XX/XX/XXXX ) 7. XXXX XXXX - ( Pulled Credit - XX/XX/XXXX ) 8. XXXX XXXX XXXX - ( Pulled Credit - XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX and 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 2019-10-16
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sent an alert from Experian that my credit score decreased by 25 points. Called them to find out why, and they were unable to tell me and said any information they give me would be considered financial assistance and they are not allowed to give that kind of information. They had no explanation except to guess that because I have a home mortgage and that could be the reason. I have always had a home mortgage, and asked why now after all these years would that decrease my score ( which was over 800 ). My wife 's score was higher than mine originally ( XXXX ) and hers is even lower than mine! They also had no explanation for her score being lowered so much. They said to go their website to their " simulator '', but you can not go anywhere without solicitation to purchase this or purchase that and never end up at simulator. It is also impossible to get through on their customer service number because it is all automated. So had to call dispute number. Please let me note that I have NEVER been late with any kind of payments, have no outstanding balances -- always pay balance down before due, as does my wife. My main complaint is that the I did not, nor does the public ask them to monitor me ( us ), but if they do and are treated unfairly, they need to explain and give a reason. They were unable to. They offer a " Raise your score here '' but only if you give them more information that you do not want to give. And if they are able to raise your score, why don't they???

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent multiple letters and called several times to get this matter resolved. The most recent letter being on XX/XX/XXXX and the others sent on XX/XX/XXXX and XX/XX/XXXX still as of today there has been no progress. The below inaccurate items still show negatively on my report. I mentioned previously I was just made aware of my information being impacted by the XXXX data breach. Now more than ever I fell my information has fallen into the wrong hands. This dispute process has be very long and I feel like Im on a hamster wheel. I read up on how to rectify this data breach and I saw it is illegal to report false information per FDCPA Section 807.

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 2017-07-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi I am in arrears on my mortgage while i had a drastic reduction in income, since then i am working full time, my wife is working as a source of other income and ive obtained my brother in laws help as a renter to help us pay the mortgage. Ive been working with  XXXX  / Bayview loans  for what i believe 3 years on a modification. My math says we can afford to pay the new higher loan with the arrears. They keep stalling on an answer, meanwhile they got a judgement to forclose. Now we, my wife and children, are panicking and  Bayview  is not really giving me an answer here, so i do n't know what to do.   My loan number is  XXXX  with Bayview

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: GREAT LAKES
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The servicer is insisting that their " system '' does not allow them to apply overpayments without creating a " paid ahead '' status. I do not consent to being in a " paid ahead '' status, and wish for my full monthly parent to be due, regardless of whether or not I've made an overpayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan with Santander Consumer USA contract signed on XX/XX/XXXX with 60 monthly payments. 1st payment due in XX/XX/XXXX. The co-signor ( ex-boyfriend ) and myself parted ways in XXXX. I was not aware he failed to make the XX/XX/XXXX payment. I contacted the bank a few months after advising them that the co-signor and I are no longer together and I was stuck paying for the entire household bills and two car payments and I needed to see what they can assist me with. The extended the loan for XX/XX/XXXX and changed my payment arrangement from {$350.00} per month to the principal of {$210.00} for 6 months. The original payment will be come due XX/XX/XXXX. I have contacted them on numerous occasions telling them their accounting and the payments to the account are not being credited correctly. I said 1 day I owe {$2200.00} I make a payment and it comes down to {$1500.00}. I recently just went on my account XX/XX/XXXX @ XXXX in showed that I owed a balance {$1500.00}. I made a payment of {$350.00} logically and in basically math from their system should have said balance {$1100.00} but as of today it shows {$950.00}. I have made all payments according to arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated in 2005 and have struggled to make my outrageous monthly payments. When contacting Navient regarding my options, none of them were within my ability to pay. I offered several times to make payments that I could afford and was instructed that my loan would go into forbearance until I was able to pay. I was told that I could make payments that were affordable to me, however, the loan would always remain delinquent and the better option would be to put my loan on hold until I can make the full payments that were presented. What I was not aware of, was how much interest would accrue. So as you can imagine, my loan balance has now more than doubled. And Navient is still not working with me in terms of my monthly payments. I am currently unemployed but married. Though my husband is not on the loan, they requested that I send in documentation regarding our taxes, and I believe tried to get me to sign a document to add him as a co-signer. I did not complete this paperwork, as that is deceptive and he is not responsible for this loan. Because of my husbands pay, they are requesting that I make, again, an extremely high payment that I am not able to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a mattress from XXXX in XX/XX/XXXX for {$980.00}. I paid the balance off in full when I received the bill from XXXX. I never again used the XXXX XXXX MasterCard and called the XXXX credit card department to close the account on XX/XX/XXXX at XXXX XXXX. I was never made aware during that phone call with XXXX that the credit card had any current unpaid balance. I received a letter from Midland Credit Management this week that said my XXXX MasterCard was charged off with a current balance of {$1500.00}. I never received a single phone from XXXX or XXXX to notify me of three separate fraudulent charges on my credit card. Midland Credit told me today when I called them that my card was used fraudulently three times in XXXX XXXX, MO in early XX/XX/XXXX. I live in Virginia and have never stepped foot in the state of Missouri. I used my XXXX MasterCard once to purchase my mattress. Midland Credit advised me today that once my XXXX XXXX Mastercard was charged off and closed that it would not show up on my credit report. XXXX at Midland Credit told me it was the policy at XXXX to wipe it off my credit report when the credit card account is charged off and closed. I have my XXXX phone records and bank statements to verify that I was never is XXXX  XXXX, MO. XXXX, XXXX and Midland Credit Management are attempting debt collection on fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX {$6200.00} XXXX XXXX {$2400.00} XXXX XXXX XXXX   XXXX {$7200.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX - {$870.00} - XXXX XXXX XXXX XXXX - {$330.00} - XXXX XXXX XXXX XXXX - {$1100.00} - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$420.00} - XXXX XXXX XXXX XXXX XXXX XXXX - {$790.00} - 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 2018-01-02
Company: AUDIT SYSTEMS,INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has mailed me to letters about two check I wrote that did not clear and I still owe money. I contacted both companies and my bank. I was informed my my debt was payed. My first letter, was a debt from XXXX/XXXX/XXXX XXXX XXXX XXXX for {$200.00}. My second letter, XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX  XXXX for {$50.00}. I have tried to call there place of business no one answered the phone. My dentist secretary also called and did not get an answer either.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX. I was XXXX XXXX and provided all of my information at that time. 

In XX/XX/XXXX, I received my first collections letter ( never even got a bill prior ) from XXXX XXXX XXXX XXXX. I called my insurance, XXXX, who stated they have never received a bill and would need a letter also explaining why nothing was submitted prior. I talked to the hospital who said they cant help and then I talked to XXXX again who took down my XXXX information and said they would work it. 

XX/XX/XXXX, I get another letter from XXXX XXXX XXXX for the same debt. I spoke to them and explained what occurred last time and by the end they said they would work it. 

XX/XX/XXXX, I get a bill for the same debt from Phoenix Financial Services. I call them and the first lady said that its not medical insurance to be billed its car insurance.. I found that odd so I called XXXX once again. XXXX confirmed they have yet to receive anything from anyone regarding this and whoever was billing needed to bill them. I called Phoenix Financial services back and told them basically the same thing I told XXXX is that they can bill XXXX. I was told they do not do that. That is the hospitals job and I had to pay a debt now four years old ( statue of limitations in MD is 3 ) or get the hospital to take back the file of debt and bill. 

Its 4 years after the first visit and because someone didnt bill my insurance I am continuously dealing with debt collectors. The first few letters I thought would be the last as XXXX said they would bill XXXX. 

Phoenix Financial is now stating they will file this on my credit report. 

I do not feel as if I have to pay this debt because someone four years ago didnt file a claim with my insurance. I have provided my military ID over and over again for any collector or organization to submit the proper claims to XXXX to receive their money the correct way. 
The debt is four years old. 
I was XXXX XXXX XXXX and XXXX covered everything if they were billed. 
No one has billed XXXX. 

I do not think that is my responsibility to pay a debt when the hospital had my insurance ( billed it for other things ) and did not bill this. XX/XX/XXXX said it would be worked and I thought this was over. 

I have never not settled a bill that I owed. I have either helped a billing department refile the bill or paid what I owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I went in to a Best Buy store to purchase a new labtop. 

During purchase the supervisor encouraged us to sign up for the Best Buy credit card advertising it was 0 % interest on ALL purchases for 12 months. I asked for clarification and to confirm it was 0 % interest on ALL purchases- the supervisor confirmed this information. 

Reviewing my past two months statements I have been charged interest on all purchases made after the initial purchase which is not what was advertised. 

During transaction I never had the opportunity to review terms or read " fine print ''. I was lied to by a best buy supervisor.

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 2018-01-02
Company: Fenton & McGarvey Law Firm, P.S.C.
State: CO
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My banking accounts have been garnished 4 times on an account that was closed on XX/XX/XXXX and has exceeded the statue of limitations for the state of Colorado. I have made no payments to this debt collection agency willingly and they persist to collect on this outdated account. I would be glad to set up an arrangement directly with XXXX, but wish to have all communication and debt collecting to cease from XXXX XXXX XXXX # XXXX, Fenton & McGarvey Law Firm, P.S.C., XXXX XXXX XXXX XXXX, XXXX, KY. XXXX. Ph # XXXX.

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