BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: Paypal Holdings, Inc
State: MN
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 balance transfer

Complaint:
XX/XX/2020 I was at XXXX and paid XXXX to be put on my PayPal account and PayPal never put my money on my account. XXXX checked their side out and it was sent to PayPal and paid but my account never received the added transfer. I have recipe for my purchase transfer. Immediately PayPal voided out my Paypal debit money card the same time when I called them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This place you should stay away from it has some serious safety and building code violations that the city of XXXX should have enforced but did not. 

1 ). Roof leaking in the bathroom with water falling on our faces 2 ). Fuse box trips on the 3 prong outlets and sometimes makes noise. 
3 ). We endured 6 years of Luke warm or cold water. They replaced the water heater but we still had luke warm water. 
4 ). They only have 1 maintenance man to fix things over 250 units. 
3 ). Security is non existent We had damage to our vehicle that costed us thousands to repair. I believe the Federal and State Governments should investigate XXXX XXXX XXXXXXXX for Domestic Sponsored Terrorism we found Flour acid and other chemicals in our gas tank found by XXXX filed a complaint with the Attorney General nothing was done. 
4 ). We paid XXXX Security and Pet Deposit XXXX and still charged XXXX for cleaning their mold mildew. I think they should pay us for XXXX for the building and safety violations and furniture damage 5 ). The trash has vermin running all over the place mice racoons and other creatures paid double in Trash bill. 
6 ). Excessive processing fees to pay rent XXXX XXXX for rent XXXX XXXX for utilities I would urge XXXX XXXX XXXX to get a Criminal Defense attorney for all the evil actions committed. 
7 ). We stayed over 6 years in this XXXX hole. Please have XXXX  not access my credit reports or personal information do to RICO related crimes. 
8 ). Water was brown and have rocks 9 ). Appliances old and outdated and makes noise during the summer asked last year for a new refrigrator and they refused. 
10. ) we replaced blinds 5 times at our expense we were still charged. 
11 ). Nails placed in our rear tires at XXXX XXXX XXXX XX/XX/2020 and XX/XX/2020. 
12 ). The utility Bill had us listed at a wrong address and my wife 's name is not correct 13 ). Fraudlent Utility Bills paid two months eletric bill and we did not live at this place 14 ). ADA act violation Our child has a Recognized XXXX being charged Pet rent and Fees See Federal law 15 ). XXXX XXXX did not accept Certified Return mail during Pandemic virus Health and safety violations forced us to come to them in person??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
the PayPal company close my account for not reason and them will not help me with Getting it back up and going. Every time when i try to take out my money From my account they just block me for avoid me can me spent my money. 
They ask me for document for remove the limitation and after i send all document, they send me another email that my account is close ( Id. de ref. XXXX ). 
I try to contact a manager and supervisor and they said they cant help me anymore. 
They removed all message from the account for avoid that me get evidence or proof. 
PayPal is expert in XXXX stolen money from people. 
this company has XXXX complaint about same situation is really bad. 
See my evidence before PayPal close the account and after they close. 
They delete everything. 
Paypal IS XXXX company, i hope Cfpb help me to get my money back. 

My email is XXXX Paypal is not doing her job properly and that the reason. i am file a report here. 
Paypal is violating the rights of people by closing accounts to keep the money and so make your company grow with the money that is stolen from people. 
My case is an evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On the date of XX/XX/XXXX received a certified letter stating that I have a Notice of Intent to Foreclose. It stated this was for non Payment of Portage for XXXX and XX/XX/XXXX.I immediately contacted Their loan department and did make a payment. I informed the customer service representative that i was not aware of any non payments. I have been on automatic withdrawal ( ACH ) since I purchased this property, over 13 years. I have never missed a payment. The automatic withdrawal discontinued without my knowledge and i would like to know why. I have notified my bank and they are unaware of any stop payments. They also stated that it would have had to come from the department who is in charge of all ACH withdrawals. I asked to have this situation to be rectified immediately so it will not have any negative impact on my credit. 
I personally called the Rep at the Mortgage company, and asked what happened. I was then informed by the rep, " don't you check your bank account? '' I replied, " I don't need too, i don't live paycheck to paycheck, i know what is in my account. '' I was also informed in a separate letter that I will be having approximately XXXX dollars a year added to my mortgage payment for " mandatory flood insurance '' if i don't get it within 45 days from the date of the letter from another company. I do not believe it is lawful to mandate " flood insurance '' especially since i never signed up for this upon the original purchase contract of my home. 
To make it worse, the company sent me an offer via email to purchase my home cash for {$38000.00}. It is my belief, that the mortgage company initiated the reversal of my electronic payment, sat on it, for two months. All in order for me to default on my home and them to offer me {$38000.00} for a buy out. This in unethical, unlawful, and this has occurred with other companies such as XXXX XXXX XXXX, and they were held liable financially. The company also lowered my credit rating due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been attempting to get the PMI on my mortgage removed with Rocket Mortgage. Their website states that when my Loan to Value reaches 80 %, which it did when I made my XX/XX/2021 payment, I was to contact them to have it removed. I have called 3 times and have been given different answers as to why they wont remove it. Most recently was my call yesterday when I was told they run behind therefor I am to continue paying the PMI through XX/XX/2021 and then they will reimburse me. Each time I call I get a different excuse as to why they cant remove my PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent two mortgage payments instead of one by mistake. On XX/XX/2018 I called Select Portfoilio Servicing and requested the over-payment of {$2700.00} be returned immediately. The Rep for SPS said he would start the return process and I would have the money back in my account in 3-5 days. I said I needed the money sooner than that and he stated that was the best he could do. On XX/XX/2018 I called SPS Customer Service and ask why my money was not returned? The Rep stated they are waiting for me to send them my bank statement. I said there was nothing said to me about sending a statement or paperwork of any kind. I said I wanted to speak with a Supervisor or Manager and the Rep said theres no reason to speak with them as they will tell me the same thing. I had to demand to speak with a Manager. A supervisor by the name of XXXX XXXX came to the phone and said I must send them a copy of my statement and she would stay on the phone while I send her my bank statement. I sent her my bank statement and she confirmed she recieved it. She said she would handle the return of my money immediately. On XX/XX/2018 I called Customer Service again and ask to speak with Ms XXXX. I was told she was at lunch and a message was sent to her, to return my phone call that day. Its XX/XX/2018 and I STILL DO NOT HAVE MY MONEY! I called Customer Service again and ask to speak with Ms XXXX and I was told she was not available. It is very obvious this business is avoiding me by not returning my phone calls or my money as promised. I have now incurred several NSF fees from my bank and unable to afford the XXXX cost of medicine I need to purchase for my Son. This company and its employees have not only avoided my phone calls and request but also deliberately misled me with the handling of my case. ( I was actually told they need to contact the Federal Reserve for the return of my money )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: OH
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 have file a dispute in regards to the incorrect inquiries items on my credit report. 

Unfortunately it has been well over 30 days and I still have not received any investigation results from any of these companies. 

EVEN SENT FOLLOW UP LETTERS AND NOTARIZED DOCUMENTATION ON XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-03-01
Company: MOHELA
State: GA
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:
I submitted an employment certification form on XX/XX/XXXX to certify my employment for the Public Service Loan Forgiveness Program. I received notice today, XXXX XXXX XXXX that my form was a duplicate. However, my form is not a duplicate, I have only submitted one form ( XX/XX/XXXX ). I spoke with a customer service representative who confirmed that only employment certification form is on file ; she said they would process my form within 3 business days. However, the form status online provides conflicting information as it says to allow up to 90 business days for processing. This unfair as it is not my error that caused this issue ; I shouldnt have to start over again waiting up to another 90 business days for this company to correct their error. The timely and accurate processing of this employment certification form is extremely important to me as once it is processed I will have over 120 qualifying payments for the PSLF program and be a step closer to being forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: Pendleton Capital Management
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/21 called my mother and a friend and told them that I was in legal trouble because of a debt and that there was a civil case against me and legal action would be taken against me if I didn't call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 tried for the last 6 months to have an item reported as included in Chapter XXXX Bankruptcy without success. I have submitted 2 disputes to Transunion and both times it has come back as information accurate. This debt was included in my Dishcarged Chapter XXXX Bankruptcy. XXXX XXXX XXXX and XXXX XXXX XXXX were notified via mail when I filed and then notified by mail again when my bankruptcy was discharged in XX/XX/XXXX. Despite all of this, they continue to report inaccurately on my credit report. I understand it isn't removed, but it should show a zero balance and that it was inlcuded in bankruptcy. Here is the information below : INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this account appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX High Balance : {$21000.00} Original ChargeOff : {$20000.00} Pay Status : >Charged Off< Terms : Monthly for 81 months Date Closed : XX/XX/XXXX >Maximum Delinquency of 90 days in XX/XX/XXXX< Account Sale Info : ACCOUNT SOLD TO XXXX XXXX XXXX Remarks : PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF< Estimated month and year that this item will be removed : 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 2018-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have mailed all three credit bureaus about this account reporting incomplete and inaccurate information on my credit report. Dates ( XXXX-18, and XXXX-18 ) and its still getting verified without any legitimate proof of verification. I would like this account removed it is hurting my credit, Im not sure how this account remains and it is not mines, I have provided my driver license and mail stating my address and name. Account number XXXX, also I have received repsonses saying verified or updated, meaning this account was being reported inaccurate.

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 2021-07-17
Company: EQUIFAX, INC.
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:
I am very stressed out. I can not believe that I became a victim of Identity theft. I have some inquires that are not mine. I do not know why I have them in my credit report. Its crazy I can not live like this because these items are killing my report. These inquires violates my rights. Please promise me that you will deal with this situation and finally remove from my profile. 

Please check these fraud inquires : XXXX XXXX  - XX/XX/2020 XXXX XXXX  - XX/XX/2020 XXXX  - XX/XX/2020 XXXX XXXX XXXX - XX/XX/2020 I am attaching my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
This complaint is regarding ChexSystems " blocking '' access to my report, despite my lift of a Security Freeze earlier in the year.

I had a security freeze put in place in XX/XX/2018 because financial institutions kept on pulling my report without my consent. I lifted it temporarily in XXXX-XXXX  with no issues. In XX/XX/2018, I tried to lift it again temporarily to apply for a bank account, but the bank ( XXXX XXXX XXXX ) reported a " non-response '' from ChexSystems. I worked with ChexSystems at the time to permanently lift the security freeze. ChexSystems confirmed that the freeze was lifted. Nevertheless, I abandoned getting a deposit account with that bank at that time.

Today ( XX/XX/2018 ), I applied for bank accounts at XXXX XXXX XXXX. XXXX XXXX wrote back to me : " Do you have a block on your chex systems reporting? If so you will need to remove the block so we can run the report and then replace it. Currently we are unable to run the report. '' I called ChexSystems security freeze line at ( XXXX ) XXXX.   I spoke with XXXX. XXXX said there is a " technical glitch ''. Specifically, he said there was an error related to their internal systems, and the error message says : " We are unable to access the file at the moment. '' The representative XXXX  indicated that " sometimes we receive that error. '' The representative sounded like he was in an overseas call center. He did confirm that there is no security freeze currently in place with ChexSystems, since I had it removed in XXXX. Nevertheless, this malfunction is preventing me from getting bank accounts that I want to get.

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 2021-11-09
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I participated in the COVID forbearance program offered by US Bank, the problem is that we signed and next day aired paperwork to them on XX/XX/2021 to exit the forbearance program and now Im in the process of refinancing with another lender who requested the exit letter from our bank so over 6 months has gone by and they havent done this yet. Weve also been calling and making payments for the last 6 or 7 months and every month they told us theyd have it fixed by next month, now my refinancing is in jeopardy and interest rates have gone up, I feel we were mislead we werent able to pay online and had to call in every month to pay and come to find out they arent even applying the payments, theyre putting them in some holding account, we were told that once we returned the signed papers that all wed have to do was make 3 payments before being able to refinance no one mentioned that this process could or would take 7 months to complete, any help you can provide would be greatly appreciated, thanks.

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