BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called the company XXXX XXXX XXXX XXXX ) and stated my name, and explained that I have not ever, nor will I ever now, had an account with them. The car, and the social security number both belonged to my father, of the SAME NAME. Explained to them the age difference, my birth date and my social security number. Denied by the debt collector, the company at fault, and experian for a dispute. It is not corrupting my credit and FICO score. And it needs to be remedied immediately. If you look at my date of birth, and my social security, a middle school student could understand that the debt incurred does not belong to me.

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 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On or around XX/XX/2020 around XXXX XXXX  CDT I contacted Capital One to inform them the attached account number ( XXXX ) as an account unknown to exist to me had a statement reach my home ad

dress via US Mail and had my name listed as the account holder. Capital One through the course of a two hour phone call and several transfers between departments came to realize that the account in question ( attached statement ) did not have my social security number associated to it. Instead it seemed to be another member of my household 's account as their social security number was associated to it. I was told on the phone that I was not responsible for the account and that I should instruct the member of the household to pay said account. I was also told that I would not be responsible legally or on my credit report for the delinquency of the account. 

On XX/XX/XXXX I became aware that my XXXX  credit report was showing a serious delinquency on the account in question despite not being associated in Capital One 's system as under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was shown a repayment chart for a healthcare loan of {$13000.00} from Care Credit by XXXX XXXX ( XXXX XXXX, XXXX ) that would have allowed me to pay off the loan in 48 monthly installments of roughly {$400.00}. For a total cost of between {$13000.00} and {$20000.00} according to the booklet they gave me. I began paying monthly as planned only to find that after 7 months they dropped a one time nearly {$2000.00} finance charge on to my account and began charging me 26.99 % interest. Apparently they had asked me at some point if I wanted a six month repayment plan but I was unclear on what that meant. I would like them to wipe off the excessive and usurious finance charges and refund them to my account. I have repaid {$14000.00} in the hopes of closing this bait and switch account in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: BARCLAYS BANK DELAWARE
State: WI
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:
I just obtained my XXXX Visa Credit card from Barclay 's late last year ( XX/XX/XXXX ). I opened this card strictly for the reason that Barclay 's offered unlimited 4 % cash back on restaurants and bar purchases, as well as cell phone accidental protection when paying for your phone plan through the card, and another {$50.00} reward if you spend {$5000.00} per year with the card and have at least {$50.00} in online subscription purchases XXXX XXXX XXXX, XXXX, etc. ). Additionally, they offered a bonus cash back amount XXXX {$150.00}, I believe ) for spending {$500.00} or {$1000.00} within the first 3 months ( I can recall the exact amount ). 

I just received an email on Tuesday, XX/XX/XXXX, stating that the rewards program is being completely overhauled and none of these benefits as they currently exist will remain as of XXXX, XXXX. Even further, the rewards earned will only be redeemable as, " XXXX Cash, '' and no long cash back XXXX statement credit or direct deposit to my bank ) or in various gift cards. This is a complete bait and switch tactic and I would certainly be interested if there is anything the CFPB can do to help me. Thanks very much.

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 2023-06-14
Company: EQUIFAX, 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:
Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
CFPB, My name is XXXX XXXX. My problem is : I have sent 2 house payments to my Mortgage Company ( Ocwen Loan Servicing, LLC ) At the time I submitted these 2 payments, I owed 4 total. It took them 2 weeks to send my payment back. I Re-submitted the payment, again. By this time, it took another 2 weeks to be returned, I now owed 4 payments. By NOW, they say I am 7 payments behind and owe ALL 7 payments or face for-closure. The are adding an additional payment that isn't even due until the XXXX of XXXX. I do not believe this is legal. I believe they are purposely lengthening the process by delaying the returned payments, trying to get me drowning in finance and additional charges in an effort to for-close on my house. Thank-you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX paypal obtained my social security number without permission and will not remove it from their records when asked. They can, but, they won't. Why, I don't know. They're not a bank or financial institution. They are a payment service. They don't need my social security number by law. But, they are lying and say they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is still unresolved. When my loan closed with XXXX XXXX XXXX, they collected 3 months of hazard insurance {$100.00} x 3 = {$310.00} and 4 months of Property Taxes {$530.00} x 4 = {$2100.00}. which would be a total of {$2400.00}. When I received the Notice of Servicing Transfer letter from you it indicated my escrow balance was {$1900.00} therefore, I am owed the difference of what was collected vs what the amount in the escrow account was as of XXXX, amount due to me is {$510.00}. ( See attached ). 
At the time of closing {$3200.00} was held to pay the 1st half taxes. When PHH Mortgage paid the 1st, half taxes they used the funds in the impound account. The Settlement Statement that I previously provided is attached. I have been in contact with XXXX XXXX XXXX and they have indicated that sent all the funds that were held in the closing of my loan to PHH Mortgage.

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 2017-12-12
Company: MidAmerica Mortgage Inc
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, We have tried endlessly to get this servicer to fix the errors on our mortgage and it is only getting worse. Our mortgage is actually with Mid America and XXXX XXXX is the servicer. Not sure what all these connections mean I only know that I pay my mortgage through XXXX XXXX but my mortgage is with MidAmerica. Meanwhile my mortgage all year long was {XXXX} never missed a payment. Then in XXXX they claim escrow was short and bumped the payment up to XXXX. The problem with that was at the refi last year the homeowner insurance office and the property tax office received a double payment in error from the mortgage transaction of refinancing and instead of them returning the extra money they put it in a suspense account for half of the year and then decided not to return it at all instead they put it on the principal mortgage owed which caused the escrow account to be short for the upcoming year. After it was short they turned around and charged us for the escrow. Now our house payment has increased and we are being charged exuberant amounts for mortgage due and to repay escrow. We ca n't even figure out what exactly is our mortgage payments anymore. We have been given three different amounts in one week from customer service. When you go online to look at the payment history it 's filled with so many misapplications and errors and changes that the average consumer ca n't figure out what the correct amount is that is due. I had a mortgage with a set payment and they broke the contract with all these misapplications and erroneous due payments. Could someone please assist us and tell us what is due and what is going on with this mortgage. I have never seen anything like this. I am a veteran and I appreciate any help you could offer. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving calls from Phoenix Financial Services, with the most recent being XX/XX/2019. When they call, now their number is showing up as " account services '' on caller ID. Seems like a form of entrapment. When I answer, they ask if they are speaking to ( my name ) and they do not disclose who they are unless I ask. I will then ask what they are calling in regards to, at which point they will not tell me unless they know they are speaking with ( my name ). Now, I have received calls from other debt collection agencies in the past who upon answering state who they are and why they are calling. Phoenix Financial seems like they are being deceptive and not forthcoming about their intentions, they do not even disclose that they are a debt collector. I had to look them up to find that out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: NC
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: FL
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:
Can not get credit report after placing freezes on accounts with bureaus ... victim of identity theft and fraudulent accounts being opened ... ..my middle initial is incorrect corresponding with my social security ... .somehow the identity theft has changed my legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I paid 80 % of the remaining loan online for the XXXX and XXXX payments in XXXX I contacted them about the remaining {$78.00} PHH mortgage said they would mail me a pay off statement to the address I was currently residing, I never got one in XXXX I requested another pay off statement, I have since learned that they have reported delinquent payments on my credit report. I have sent them a cashiers check on the XXXX of XXXX to pay the balance and I have called again 2 days in a row to check the status, sat on hold transferred 3 times to finally get someone to tell me I would have to contact the research department because they can not find the check etc. This was an XXXX loan I have never been late on a payment and I try and pay it off early and my credit is suffering Over the last {$78.00} of the loan. Beyond ridiculous

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 2023-02-09
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I tried to make a purchase on XXXX, the payment was declined on XXXX end and the item was not purchased it is not a pending sale. If I want the item, I have to make a payment. 

Paypal is holding my money for 7 days when the payment is not attached to any item or order. Thereis no pending sale. When I asked PayPal customer service to release my payment, I'm giving answers that do not relate to my situation. Like staying at hotels or pending payments, none of this applies. 

This happens to me XXXX times a week, sometimes twice in XXXX day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Convergent Resources, Inc.
State: TX
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:
After reviewing my credit report recently I dated I noticed that an account named Convergent Outsourcing has repaired on my report. I sent in a complaint on XX/XX/18 in regards to this company and the result was they agreed to remove. My original complaint stills stands I have submitted a request to have an account investigated and removed from my account from Convergent outsourcing. I have never done business with this company or taken out a student loan with this company. When I contacted the company and requested original loan documentation I never heard back from them. I then requested the account to be investigated and removed by the credit bureau and they responded with account verified. This account has never showed on my credit report as a active account by any creditor and now all of a sudden I have a collection account for now {$37000.00} from a company I never heard of. I would like this account removed from my credit immediately before legal action is taken. I pulled all of my financial college records and have verified that is not a loan that I have ever taken out. This is account is Fraud.

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 2023-02-24
Company: Velocity Portfolio Group
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

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 2019-10-30
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: Information belongs to someone else

Complaint:
I was trying to buy a car today XX/XX/19 and when they ran my credit to check if I qualified for the loan I was told that I did not get approved because there were accounts in negative standing on my credit report. When I looked over those accounts I told them that none of those accounts were mine. I did not open any of these XXXX  accounts and I never gave anyone permission to open these accounts in my name. I think a person named XXXX  XXXX XXXX opened these accounts. I already filed a police report ; I did not benefit anything at all from this nor did I ever make any purchases or payments towards these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received random phone calls from the phone number : XXXX stating they were National Credit Adjusters and that I owed them {$500.00} for a online loan on XX/XX/2019. 
They were demanding payment from me and wanted me to verify my bank information. 
Also wanted me to email them information to them at XXXX XXXX

Company response to consumer: Closed with explanation